Card Services

Important ATM & Visa Debit Card Contact Numbers

For more information about a Queenstown Bank ATM or Visa Debit Card give us a call at (410) 827-8881 or stop by one of our locations today.

• To activate your ATM or Visa Debit Card, please call (800) 992-3808.
• To reset your ATM or Visa Debit Card PIN, please call (800) 992-3808.
• To report a lost or stolen ATM or Visa Debit Card please call (410) 827-8881 during regular business hours or (800) 472-3272 after regular business hours.  

Queenstown Bank 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.)

• Want to have more control over your Debit Card? Use CardValet to do just that!
• Queenstown Bank is making your Debit Cards more secure with EMV!  Take a look how EMV is protecting you!
• Your Visa Debit Card is now equipped with Visa Account Updater Service! Check out why this service is beneficial to you!
• Need a debit card replacement? Visit one of our branch locations today!

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 or Visa Debit Card.

Add Your Queenstown Bank Visa Debit Card to Digital Wallets

You can now add your Queenstown Bank Visa Debit Card to the three most used digital wallets; Apple Pay™, Google Pay™ and Samsung Pay®.  This gives you the ability to pay quickly, conveniently and safely at proximity checkouts in stores, online and for in-app purchases.

• FAST - You won't need to search your wallet or purse for a physical card.  If you have your mobile device, your digital wallet is ready to use!
• CONVENIENT - Digital wallet payments are accepted at a growing number of merchants, apps and online stores.
• SECURE - Your card number is never exposed to merchants, keeping your transactions safe.

Getting Started; It's Quick and Easy

To begin, you will need to select your preferred Digital Wallet provider to get started.  Choose between Apple Pay, Google Pay or Samsung Pay.  These Digital Wallet apps are free to download from the App Store (Apple), Google Play Store (Google) or the Galaxy Store (Samsung); whichever store is most appropriate for your mobile device.  Should you need assistance, please contact your nearest Queenstown Bank branch.

Frequently Asked Questions

What is a Digital Wallet?
A Digital Wallet is just as it sounds. It's a wallet, but in a digital format so you can make payments without having your Queenstown Bank Visa Debit Card with you physically.  As long as you have your compatible mobile device, you can make purchases in a store, in an app or a website with participating merchants.

What Benefits Do Digital Wallets Have?
There are many benefits to making purchases with your Queenstown Bank Visa Debit Card using your Digital Wallet.  These include:

• Convenience - You don't have to remember to bring, or search for your card in order to make a purchase.  If you have your mobile device, you can pay for the item or service.
• Security - During the transaction, the merchant receives a one-time password or "token" to complete the transaction.  In this process, your card number is never provided and makes it nearly impossible for people looking to commit fraud to take your card information.

Is There a Fee for This Service?
There is NO fee for this service.

Are Digital Wallets Safe?
Yes. Digital Wallets utilize security features that are built into your device to protect your payment transactions. Additionally, you will be required to authenticate yourself before the transaction can be processed. Depending on your device type, the authentication step may be completed using your fingerprint, facial recognition, passcode or PIN. The Digital Wallet providers do not store or have access to your full account number as they are only provided a unique one-time passcode, known as a token, to provide to the merchant to complete the transaction. The last four digits of your card number is displayed on the card image within the wallet for the purpose of helping you manage your card(s).

How Do I Add My Queenstown Bank Visa Debit Card to a Digital Wallet?
Adding your card is easy!  After downloading the Digital Wallet, follow the prompts on your device to complete the enablement process.  The steps below are generally the process required to add a card:

1. Open the Digital Wallet App (Apple Pay, Google Pay, Samsung Pay) on your compatible device.
2. Tap "+" to add a new card/payment method.
3. Add your Queenstown Bank Visa Debit Card by manually entering the card information.  Your phone may also prompt you to capture the image of the card to add the card information automatically.
4. If you are asked to verify your card, select a verification method from the list and follow the prompts.
5. In some cases, you may need to call us to complete your enrollment.  If you are prompted to contact the Bank, call the number provided on your device to verify your card and complete your enrollment in the Digital Wallet.

If you are unable to activate your card in the Digital Wallet, please begin by verifying if your device is compatible with this product.  If your device is compatible and you are receiving a message that reads, "Contact Your Financial Institution", further verification is required.  Please call us at 410-827-8881.

Can I Have More Than One Queenstown Bank Visa Debit Card in My Digital Wallet?
Yes.  There is not a limit on how many Queenstown Bank Visa Debit Cards can be added into a Digital Wallet.  There may be a limit to the number of cards that your Digital Wallet allows, which is set by the Digital Wallet provider.

Can I Add My Queenstown Bank Visa Debit Card to More Than One Digital Wallet?
Yes.  You can add your Queenstown Bank Visa Debit Card to multiple Digital Wallets and/or wallet-enabled devices.

How Do I Make a Purchase With My Queenstown Bank Visa Debit Card in a Digital Wallet?
The process for completing transactions using a Digital Wallet varies depending on the wallet enabled-device you are using, and the specific wallet used. The general process includes these steps:

To make a purchase in-store at a terminal that accepts your Digital Wallet for payment, hold your device near the terminal. You will be required to authenticate yourself with your fingerprint, facial recognition, a passcode or PIN, depending on your device. Once authenticated, the transaction will take just a second to process and will notify you when it has been completed (notification may be through a noise, a graphic on the screen, device vibration, etc.).

When making a purchase in an app that offers Digital Wallets as a payment option, locate the Digital Wallet icon at checkout. After clicking the icon, you will have the option to select a different card, shipping address and contact information. The total charge amount will also be displayed. If all the information looks correct and you want to finalize the transaction, complete the transaction by authenticating yourself with your fingerprint, facial recognition, password or PIN, depending on how authentication is set up on your device.

Once I Add My Queenstown Bank Visa Debit Card to a Digital Wallet, Can I Still Use the Physical Card?
Yes. By adding your Queenstown Bank Visa Debit Card to a Digital Wallet, you are expanding the ways you can pay using your account.  You can use the Digital Wallet and you can also use the physical card for purchases.

I Changed Phones.  Do I Need to Re-Register my Queenstown Bank Visa Debit Card in my Digital Wallet?
Yes.  If you change your device, you will need to re-add your Queenstown Bank Visa Debit Card to the Digital Wallet following the same steps, as if you were setting it up the first time.  For extra security, you should also remove all cards from the Digital Wallet in the device you will no longer be using.

If My Card is Reported Lost or Stolen, Can I Still Use the Digital Wallet to Make Purchases with the Queenstown Bank Visa Debit Card?
No.  If your Queenstown Bank Visa Debit card is reported lost or stolen, it cannot be used to make purchases within your Digital Wallet.  Once you receive your replacement card, you will need to add your newly issued card to the Digital Wallet following the same steps, as if you were setting it up for the first time.

If I Lose My Mobile Device, Can I Still Use My Physical Queenstown Bank Visa Debit Card for Purchases?
Promptly notify the Bank and your mobile carrier if your mobile device is lost or stolen.  You may contact us at 410-827-8881.  Let the customer service representative know that you added your debit card to the Digital Wallet so we can disable your card for use in the Digital Wallet.  You can still make payments using your physical Queenstown Bank Visa Debit Card.  If you would like to cancel your card and order a replacement card, please your nearest branch location.  If you locate your device, you will need to notify us and add your card back to the Digital Wallet before making any Digital Wallet purchases.

For More Information Regarding Digital Wallets, Visit These Provider's Websites By Clicking

• Apple Pay Website
• Google Pay Website
• Samsung Pay Website

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google, LLC.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Protect and Control your Visa Debit Card

Managing your cards just got easier!  CardValet is being replaced by a new feature, "My Cards", in Mobiliti, our mobile banking app.   The same great features you are accustomer to in CardValet and many new ones, will now be available in a single app - Mobiliti - the same app you are using for mobile banking!

Here is what you need to know:

• On July 21, 2022, Mobiliti, our mobile banking app, was upgraded to include debit card controls.
• After the upgrade is complete, log into the Mobiliti and the app will let you know what's new.  The app may need just a few moments to update.
• IMPORTANT!  For users with My Location and Notifications previously enabled in the CardValet app, you will want to tap [My Cards] to ensure these features are activated within Mobiliti.
• Cards and controls will carry over from CardValet to Mobiliti.  Please note, if you added a second card in CardValet, that card may need to be re-added manually so you can see it; however, the controls will still be in effect.  If you customized alerts, please review those settings in Mobiliti.
• You can still use your card(s) during the app upgrade.

Is There Anything I Should Do Today?

• If you haven't already, download our mobile banking app, Mobiliti using the links below.  Set up an account and login to become familiar with the app.
  • Apple App Store Link: www.Apple.com/app-store
  • Google Play Store Link: www.Play.Google.com/store/appsm
• Turn on automatic app updates on your phone so you get the new features as soon as they are rolled out.
• Enable live updated in Mobiliti so you know what to expect and when.

Can I Still Use the CardValet App?

• Beginning July 21, 2022, business customers who do not have access to Mobiliti will still be able to access the CardValet app to manage your cards.  Please be sure that you have upgraded to the newest version, 6.0, which is available in the app store for downloading.  User credentials remain the same, and all previously registered cards and alerts/controls will be available after the update is complete.  You will see a new landing screen and some minor updates.
• For all other customers, the CardValet app will be unavailable and should be deleted from your mobile device.

Data charges may apply.  Check with your mobile phone carrier for details.  App Store is a service mark of Apple Inc., Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.  Android, Google Play and the Google Play logo are trademarks of Google Inc.

 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, Summit Community Bank (formerly 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 or Visa Debit Card.

Security Measure For Your Protection

Due to an increase in nationwide Debit Card Fraud, Queenstown Bank 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 call (800) 992-3808 and follow the prompts to reset it. Please remember, for your protection, do not share your Queenstown Bank 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.

Fraud Protection Services / Premium Text Fraud Alerts

We have fraud protection services, at no additional cost to our customers, in place to monitor account transactions with your Queenstown Bank Debit Card. If at any time transactions conducted through your debit card account appear to be out of the ordinary you may be contacted by SMS text messaging from short code 37268 (no text charges apply) and made aware of such transactions. If you do not respond to the 37268 text message within 15 minutes, a phone call from (833) 735-1894 will occur, where you will be asked if the transaction is approved or denied.  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 directly to Queenstown Bank. 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.  For more detailed information on our Premium Text Fraud Alerts, CLICK HERE.

Surcharge-Free ATMs

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

ATM/Visa Debit Card FAQ

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

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

What if I need to replace my Visa Debit Card due to loss or damage?

If your card was lost, stolen, or damaged, you may be able to get a new one in minutes by contacting any of our bank branches. For security reasons, we ask you to do this in person so that we can verify your information to ensure that your replacement card is being ordered by you, the cardholder. To report a lost or stolen ATM or Visa Debit Card please call (410) 827-8881 during regular business hours or (800) 472-3272 after regular business hours.

What if I need to replace my ATM Card due to loss or damage?

If your card was lost, stolen, or damaged, you can receive a replacement in 7-10 days by contacting any of our bank branches. For security reasons, we ask you to do this in person so that we can verify your information to ensure that your replacement card is being ordered by you, the cardholder. To report a lost or stolen ATM or Visa Debit Card please call (410) 827-8881 during regular business hours or (800) 472-3272 after regular business hours. 

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

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

How do I activate my ATM Card?

To activate your ATM Card, please call (800) 992-3808 and follow the prompts.

How long do I have to activate my Card?

60 days from the issue date.

What if I forget my PIN?

For your security reasons, PIN information is not kept on file with the bank. In order to reset your PIN we ask that you please call (800) 992-3808 and follow the prompts to reset.

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

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

• $405.00 ATM Withdrawal transaction limit, per day. 
• $2,500.00 Point of Sale (POS) transaction limit, per day for consumer accounts.
• $5,000.00 Point of Sale (POS) transaction limit per day for business accounts.

In addition, there are also several rules in place to prevent unauthorized or fraudulent activity of cards issued by Queenstown Bank. 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. 

What do I need to do when I am planning to use my ATM or Visa 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 cardservices@queenstownbank.com or call us at 410-827-8881 to let us know that you plan on using your ATM or Visa 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.

What is the Money Pass Program?

The Money Pass program is a network of banks that provide surcharge free ATM locations nationwide. Queenstown Bank 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 www.moneypass.com and start searching.