Debit Cards

Check out our latest feature! You can enroll your debit card into your digital wallet. We now support Apple Pay, FitBit Pay and Garmin Pay. Some of the benefits of enrolling your card include: eliminating the need for cards to physically leave your hands, reducing the risk of fraud because your card number is not seen by merchant, and providing a quick and simple way to make secure purchases.

Enroll your card in your wallet, choose your option to authenticate (place call or receive one-time pin) and once authenticated, you should be ready to go! When you use your card in your wallet, you will not only receive the receipt from the merchant, but your latest transactions will be stored in your wallet.

You can use your wallet where you see a NFC (Near-Field Communication) symbol and accepts Apple Pay, Fitbit Pay and Garmin Pay. The number of merchants using digital wallets is growing every day.

If you have questions, please feel free to call us at 573-384-5221.

• Used to withdraw cash at automatic teller machines and to make purchases anywhere that accepts Debit MasterCard®. These transactions are directly withdrawn from your account. You will not receive a statement or monthly billing for these transactions.
• Must be 18 years or older to be eligible for a card.
• Debit cards are subject to approval.
• No charge for the initial card.
• No fee to withdraw at Silex Banking Company ATM.
• Using Privileged Status ATMs will avoid a surcharge. To find a privileged status ATM click on the following link, www.shazam.net, and look for Privileged Status Locator.
• Report lost or stolen cards at 800-383-8000.

The Silex Banking Company, along with SHAZAM®, works diligently to fight back against fraud. Some of the behind-the-scene processes used to fight fraud include Falcon Fraud Manager with Real-Time scoring. This product can decline a transaction at the point of sale if it meets the guidelines of possible fraud. We can also use Card Block on an individual card level to stop authorizations or transactions based on fraud patterns. Following the safety tips on the “Travel Tips” tab and “Card Security” tab will help deter fraud. SecureCode is another feature used to help deter fraud. It uses 3D Secure technology that helps protect card accounts against unauthorized internet transactions by using identity information established between individual cardholders and the bank. 3D Secure programs can use risk-based authentication to verify transactions and provide a higher level of transaction security.  You are automatically enrolled in this program if the merchant submits the transaction for 3D Secure authentication.

There is no one better equipped to fight fraud than you. After all, you know when and where you use your card. Help fight fraud with the free SHAZAM® brella™ app. The app lets you monitor your account and control your card transactions. The features of the app include: receiving 24/7 text alerts on your phone regarding the use of your card, you can block internet transactions, block transactions outside of the U.S., block transactions over a certain $ amount, totally block your card, and unblock your card, and access balance information. Start fighting fraud today with this free app! Visit your app store and search for “SHAZAM® brella™” to download now. Click here Brella_user_guide for the SHAZAM® brella™ user guide.

If you are headed out of town, give us a quick call to let us know. One of the ways we protect you is to block suspicious transactions, including unexpected out-of-town purchases. Your call will save you the inconvenience of having your card declined.

Clean out your wallet. Carrying a lot of credit and debit cards on vacation only increases the likelihood that one of them will become lost or stolen. Take only what you need, and make sure your limits are high enough to cover all expenses. Extra tip: Find out your daily withdrawal limit before you leave and ask to have it increased while on your trip.

Always be mindful of your personal security when accessing an ATM. Put your money and your card away immediately after making a withdrawal. Count your money later, out of public view. Extra tip: If you can’t find an ATM and need cash, ask for cashback when you use your debit card for purchases at retail locations.

Put your receipts in your pocket — not the bag. It’s common to end up with a lot of receipts when traveling. Even though receipts don’t typically display full account numbers, a thief can still do a lot with the information. Crooks can also use receipts to make fraudulent returns linked to you.

Monitor your account frequently. Checking your account balance is a great way to combat fraud. With the free SHAZAM BOLT$ mobile app, you can receive alerts to potential fraud on your smartphone or tablet and check your debit account balances as often as you’d like.

Report a lost or stolen card immediately. Be sure to contact us for our emergency travel phone numbers before your trip and keep them in a safe place.

Approach with Caution

• Never insert your card or enter your PIN in a terminal that does not appear genuine, has been modified, has an added device, or operates in a suspicious manner.
• At a drive-up ATM, keep doors locked and passenger windows closed.
• Take your cash, receipt, and card after you have completed your transaction. Before throwing away receipts, tear them up.

Be Efficient

• Have your card ready when approaching the ATM.
• Block others’ views. Stand between the terminal and any person waiting behind you.
• Review your bank statement immediately for unauthorized transactions.

Prevent Fraud

• Memorize your PIN. NEVER write your PIN on your card or anything you carry with or near your card. Do not reveal your PIN to anyone and never lend your card to anyone.
• Report lost or stolen cards immediately.
• NEVER give your PIN over the phone. Be careful about the information you discuss using a cell phone.
• Know who you are talking to. Do not give unsolicited callers personal information or account numbers.
• Never respond to a text requesting you to provide card, PIN, or personal information.
• Do not fall victim to “Phishing.” Never respond to an e-mail requesting you to provide card, PIN, or personal information via the Internet.
• Remember when shopping online, if it sounds too good to be true, it probably is too good to be true.

Take Care of Your Card

• Treat your card like cash or a credit card. Protect it from exposure to magnetic objects, which can deactivate your card.
• Record and safely file the necessary number for reporting loss or theft, 800-383-8000.