MasterMoney Debit Cards

Gone are the days of writing checks and carrying cash to make everyday purchases. Debit Cards are convenient, easy to use and are accepted by most merchants. All North Country Savings Bank checking accounts include a MasterMoney Debit Card with an EMV chip.

We have multiple conveniently located ATMs where our customers can use their debit cards to access their money, including a few that are located right on the campuses of North Country universities and colleges.

Below are the most common questions our customer ask related to debit cards. Don't see your question here? Contact us or stop by the North Country Savings Bank location closest to you.

How does the North Country Savings Bank MasterMoney Debit Card work?
When you make a purchase with a MasterMoney Debit Card, the cashier or the card reader will ask whether you want to use your card as "debit" or "credit." Both options will work - either way, the money will come from your checking account. If you select DEBIT, enter your four-digit personal identification number (PIN). Funds will be deducted from your account immediately. If you select CREDIT, simply sign for your purchase like you would with a credit card. Funds will typically clear your account within 2-3 business days.
How do I activate my North Country Savings Debit Card?
Activate your card by performing a balance inquiry with your PIN at any ATM.
How do I know what my PIN is?

You can either set a personalized PIN at your local North Country Savings Bank branch or receive a secure PIN through the mail.

How do I change my PIN?
Change your PIN by visiting your local North Country Savings Bank branch.
Can I use my debit card if there’s no money in my account?

In some cases, yes. To avoid any unwanted fees be sure to check your balance frequently and conveniently using EagleNET Online Banking, the free mobile app, or by setting up alerts on your account.

Is my debit card linked to my savings account?

Your debit card can be linked to your savings account upon request. Funds from a savings account can only be accessed using your debit card through an ATM withdrawal.

Where can I use my MasterMoney Debit Card?
You can use your debit card at any merchant that accepts MasterCard.
Are there fees for using a North Country Savings Bank ATM?

There are no fees associated with using your debit card at a North Country Savings Bank ATM.

Can I withdraw cash from a Non-North Country Savings Bank ATM?
You can withdraw cash from any ATM within the United States, but some ATMs may charge a transaction fee. Kasasa accounts have no ATM fees nationwide.
Are there transactions fees if I use my debit card to make purchases?
Some merchants may charge a transaction fee for using a debit card.
Will my debit card work if I’m traveling internationally?

Yes, although you must contact us if you plan to travel to avoid your card being blocked by our fraud management services. To notify us of your travel plans please call us at 315-386-4533 or send us a message using EagleNET Online Banking.

What if I notice fraudulent debit card transactions?
If you notice transactions you did not authorize, contact North Country Savings Bank’s Debit Card Fraud Reporting at (866) 842-5208.
What if my card was lost or stolen?

If your card is lost or stolen, we encourage you to contact your North Country Savings Bank Personal Banker or the Customer Service Center using our toll-free number (800) 264-5578. Your Personal Banker will work with you to review your account history, close the card, and order you a new or replacement card.

Are there fees for requesting a replacement card?
There is no fee for a replacement card if stolen, compromised, or defective.
My debit card is going to expire soon. What should I do?
North Country Savings Bank will automatically send you a new card one month before the expiration date. Your PIN will remain the same.
Will my debit card still work if it is expired?

No. If you did not receive or have misplaced your new card, contact your Personal Banker.

How is a debit card different from a credit card?
Debit cards are attached to an account, and money from the associated account is used to cover the transaction. Credit cards offer a line of credit that can be used to make purchases which must be paid back at a later date. If you do not pay your credit card balance in full each month, you will also have to pay interest charges.
What is a chip card or EMV?
An EMV™ card is a standard-size plastic debit or credit card that contains an embedded microchip, as well as the traditional magnetic stripe. The microchip protects in-store payments because it generates a unique, one-time code that is needed for each transaction to be approved. It is virtually impossible for fraudsters to replicate, providing you greater security when making transactions.