You need a debit card that is flexible and reliable. The personal debit card from ABC Bank is a convenient payment tool for any personal needs. With a debit card, you can easily and efficiently track everyday use.
The MasterMoney business debit card from American Bank of Commerce is a useful way to make day-to-day transactions. As the cardholder completes the purchases, the amount of the transaction is deducted from the checking account balance. You can use the MasterMoney Card just about anywhere. Merchants displaying the MasterCard logo will take your card. You can also use any ATM machine for quick cash on the go.
Card purchases will appear on your monthly checking account statement. The amount, date, and place where you use the card will appear on your statement, along with the checks you write and your ATM transactions. You can keep better track of your total spending with all transactions on one statement.
ABC Bank offers two convenient ways to get your card.
First, we offer instant issue debit card services at the following locations when you need your card faster or in the event of an emergency:
Second, you may also pick up an application at any ABC banking center. Fill it out and return it to us for approval. Once approved, the new business debit card will be mailed to the account owner will be able to monitor the cards and PIN’s effectively. After the card is received, two to three days later, the PIN (Personal Identification Number) will arrive in the mail.
When shopping with your MasterMoney card, funds are deducted from your available balance immediately. Please realize you are spending money you have deposited, rather than money you are borrowing. You need to ensure that you have sufficient funds available in your checking account. If you do not have sufficient funds available, you can expect to pay the applicable fees and charges. Insufficient funds may also result in your card transaction being declined.
Additional fees may apply. A full fee schedule is available at any ABC Banking Center Location.
To report a lost or stolen ATM or debit card during normal banking hours, contact any ABC Banking Center for assistance or call us toll free at 1-888-902-2552. After ABC business hours, call toll free: 1-866-546-8273. For information on our 24/7 Debit Card Fraud Monitoring Service, click here.
MasterCard Secure Code is an innovative service offering secure Internet shopping through the use of a debit or credit MasterCard. MasterCard Secure Code allows the cardholder to verify certain personal information on high risk purchases to verify that the purchase is being completed by the true card owner.
When a purchase is made online, Secure Code determines if the transaction is High risk and needs additional customer information to proceed. In these cases, cardholders could be presented with challenge questions that have to be correctly answered before the transaction would be approved.
Secure Code challenge questions may include one or all of these:
They should not since merchants should be validating transactions with the challenge questions verses a Secure Code password.
You may always contact ABC Bank to verify information such as your zip code. Your zip code has to match our core records. If for example you have moved and not notified us of your current address, this can cause an issue. Verify the last 4 digits of the social security number of the name on the card. We can also verify this information in our system.
If you have repeatedly (3 times) entered the wrong information for a challenge question, this can cause the authentication process to be locked for your protection. If you wait approximately one hour you will be allowed to try the transaction again.
If you enter the incorrect responses 3 more times the authentication process is locked and you will not be able to perform any internet purchases until the registration is unlocked for your card. You would need to contact the bank for assistance with either unlocking your registration or finding out the reason for the authentication lock.
There are only about 5% of transactions that fall within the High risk category. Most of these High risk transaction can be approved with correct challenge question answers. However, there are still approximately 1% of high risk transactions that may not be approved for various reasons listed below. If you are declined, please try and record the decline code provided by the merchant. This will help us try and research why your transaction will not go through.
At American Bank of Commerce, safeguarding your account is a crucial part of our business. In our continuing effort to protect you from fraudulent activity, we are proud to offer free 24/7 debit card monitoring that will enhance account security and also provide you with peace of mind.
The debit card fraud monitoring service uses an intelligent risk management system that monitors, detects, and prevents on-going debit card fraud. The service utilizes many techniques to detect high risk transactions, including:
If a transaction is considered out of the norm, a fraud analyst will attempt to contact you to verify the legitimacy. If you confirm the transaction was authorized by you, no other action is necessary. If you indicate the transaction was not authorized, your card will be blocked to prevent further fraud from happening. In some cases when you cannot be reached, a message will be left and your card may temporarily be blocked until you return the call.