Card Services

At Queenstown Bank we have many different ATM and Debit card options to meet your individual needs. 


Protect and Control Your Queenstown Bank Debit Card

CardValet is a free mobile app that puts you in control to not only protect your debit card but to define when, where and how your debit card is used.

Lost or Stolen ATM or Debit Card

Important Notice for All Queenstown Bank Customers:

  • To report a lost or stolen ATM/Debit Card after normal business hours, please call (800) 472-3272.
  • To report a lost or stolen ATM/Debit Card during regular business hours, please call (410) 827-8881 and ask to speak with a representative from our Operations Department for assistance.

New Security Measures For Your Protection

Due to an increase in nationwide Debit Card Fraud, Queenstown Bank of Maryland has added several new security measures. These new security measures may result in a transaction denial. If you experience a denial, please try your transaction again as a debit purchase using your PIN. We greatly apologize for any inconvenience that this may cause you. This decision has been made to protect all of our cardholders from fraudulent activity.

If your signature-based debit card transaction does not go through at a merchant location, try it as a PIN-based transaction (simply select Debit and enter your PIN).  If you do not know your PIN, please contact any of our convenient branch locations to have a replacement PIN ordered for you. Please remember, for your protection, do not share your Queenstown Bank of Maryland Visa Debit Card, ATM Card or PIN with anyone.

The purpose of these restrictions is to protect you by stopping any fraud before it occurs. As always, check your account frequently either online or through mobile banking, and alert the bank to any suspicious activity as soon as possible.

Queenstown Bank of Maryland Visa Debit Card

For even more convenience, apply today for our Visa Debit Card. This card will provide all the convenience of our regular ATM card as well as the ability to use the card anywhere Visa is accepted. The funds come directly from your checking account without the hassle of writing a check. (We reserve the right to refuse to issue a VISA Debit card based on credit history or past performance either with Queenstown Bank or another institution.)

A fee of $1.00 for each withdrawal and $0.50 for each balance inquiry will be assessed if a transaction is completed at an ATM other than a Queenstown Bank machine.

A fee of $6.00 will be charged for replacement of an ATM/Debit card or PIN.

Queenstown Bank ATM Card

This card is available for all deposit transaction accounts. Your ATM card allows cash withdrawals, deposits, and transfers at no fee when using any Queenstown Bank ATM machine. You can also use your ATM card for merchants who accept PIN-based transactions. Charges shown below occur only if a cash withdrawal or balance inquiry is completed at an ATM other than a Queenstown Bank, Provident State Bank, The Peoples Bank or Money Pass ATM machine. Other bank ATM machines may also assess a surcharge.

A fee of $1.00 for each withdrawal and $0.50 for each balance inquiry will be assessed if a transaction is completed at an ATM other than a Queenstown Bank machine.
A fee of $6.00 will be charged for replacement of an ATM/Debit card or PIN.

Surcharge-Free ATMs

All customers are now able to access, free of charge, all Queenstown Bank, The Peoples Bank, Provident State Bank and Money Pass ATMs. This is just another way Queenstown Bank is offering you the ease and convenience of banking.

Moneypass Logo

Fraud Protection Services

The Queenstown Bank has fraud protection services in place to monitor account transactions. If at any time transactions conducted through your debit card account appear to be out of the ordinary you may be contacted by phone and made aware of such transactions. You will never be asked for any personal information such as account number and/or PIN. It is very important to NEVER provide any personal information to anyone by phone unless you initiate the call. Should you have any question as to the validity of a phone call please do not hesitate to contact your branch office or our Operations Department at (410) 827-8881.

ATM/Debit Card FAQ

Is there an additional charge if I use my ATM or Debit Card for a pinned transaction at a Point of Sale (POS) terminal?

No. Queenstown Bank of Maryland does not assess a fee if your ATM or Debit Card is used for a pinned transaction at a POS terminal.

What do I need to do when my ATM/Debit Card is about to expire?

If you notice that your ATM/Debit Card is about to expire you don’t need to do a thing. We automatically send out new ATM/Debit Cards to customers the month of their expiration.

Are there any limitations on my Queenstown Bank ATM/Debit Card?

For your security, your ATM/Debit Card has daily transaction limits. Transaction limits are:

  • $400.00 ATM Withdrawal transaction limit, per day. 
  • $1000.00 Point of Sale (POS) transaction limit, per day.

In addition, there are also several rules in place to prevent unauthorized or fraudulent activity of cards issued by Queenstown Bank of Maryland. If your transaction is declined, try again as a DEBIT transaction using your PIN. Using your assigned PIN for any card transaction increases your level of security. Queenstown Bank does not charge any additional fee for a PIN transaction using your Visa Debit Card. This decision has been made to protect our cardholders from further fraudulent activity. We apologize for any inconvenience this may cause.

What do I need to do when I am planning to use my ATM/Debit Card while on vacation?

Before leaving on your getaway, we recommend that you stop into one of our 8 conveniently located branches, email us at or call us at 410-827-8881 to let us know that you plan on using your ATM/Debit card while you are out of town. All you will need to do is tell us the dates that you plan on being away and where you plan to go. Customer security is of the utmost importance at Queenstown Bank and there are fraud preventions in place that could limit your card usage if irregular activity occurs.

How do I order a replacement ATM/Debit Card if mine is broken or has stopped working?

Unfortunately, this does happen. When cards get worn, they often crack or become demagnetized. To order a replacement, all you need to do is visit one of our branch locations and fill out a replacement card application. For security reasons, we ask you to do this in person so that we can verify your information to insure that your replacement card is being ordered by you, the cardholder. A replacement card order will arrive in 8 – 10 business days.

What if I forget my PIN?

For your security, PIN information is not kept on file with the bank. In order for us to reissue you a PIN we ask that you please visit one of our branch locations and fill out a replacement PIN application. Once the application is received a new PIN will be sent to you in 8 – 10 business days.

What is the Money Pass Program?

The Money Pass program is a network of banks that provide surcharge free ATM locations nationwide. Queenstown Bank of Maryland participates in this program so that any ATM machine with a Money Pass logo is surcharge free to you, our customer.

How can I find a Money Pass ATM Machine?

Finding a Money Pass ATM is easy. All you need to do is visit and start searching.



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