Work with a local team of banking experts at any of our Massachusetts locations. Find an ATM, ITM, or banking center convenient for you.
Please remember, Country Bank will never call, text or email you to ask for your Personal Identification Number (PIN), online banking credentials, debit card number or to confirm a payment. If you receive a suspicious request from someone claiming to be from the bank, do not share any information. Hang up and call our Customer Care Center directly so we can help!
Only posted transactions may be disputed.
During normal business hours:
After normal business hours, please notify our Debit Card Dispute partner (around-the-clock service) at 866-279-1399.
A pending transaction occurs when you initiate a purchase, but the merchant has not yet finalized the transaction.
The primary difference between a pending transaction and a posted transaction lies in their status:
Pending transactions can change (i.e. cancellation or alteration in amount), while posted transactions are permanent and reflect the final amount charged.
Not necessarily. A pending transaction means that the merchant has authorized the charge but hasn’t completed it. In some cases, pending transactions may not go through if the merchant cancels the order, fails to finalize the payment, or adjusts the amount. Until the final transaction is posted, it’s possible that the charge could change or even disappear.
Pending transactions don’t officially withdraw money from your account, but they affect your available balance. The funds associated with the pending charge are “reserved,” so they aren’t available for other transactions. Once the transaction is posted, the amount is fully deducted from your account.
Typically, pending transactions take one to three business days to process. This timeframe varies depending on the type of transaction and the merchant’s processing times.
For example, debit card transactions at a retail store may post the next day, while hotel and car rental holds may take a few days to clear — particularly if there’s a delay in finalizing the amount due.
Call Us at 800-322-8233 for personal, local service. We’re available Monday-Friday from 8AM to 6PM and on Saturdays from 9AM to 2PM. If you’re calling after hours, please leave a message and your call will be promptly returned during normal business hours.
Stay connected with our convenient, automated telephone banking service available 24/7! Dial 800-422-7132 to access automated account information whenever you need it.
To cancel your Country Bank debit/ATM card during non-bank hours, report a lost or stolen ATM or debit card, or cancel a card because of fraud, please call 800-528-2273.
Contact us via SMS at 800-322-8233 Coming Soon! Message and data rates may apply, please see SMS Terms and Conditions and SMS Privacy Policy Consent*
*By contacting Country Bank by SMS, or agreeing to receive text messages from, or on behalf of the Bank, you acknowledge that you have reviewed the SMS Terms and Conditions, and SMS Privacy Policy above. You acknowledge that they Bank may collect data provided to us through SMS, and that the information may be used to provide customer support and improve our services to you. This information may be furnished as necessary to comply with any laws, regulations, or governmental inquiries. You agree that you are the owner or authorized user of the phone number and wireless device used to communicate with the Bank via SMS. The Bank reserves the right to terminate this service at any time. You have the right to opt-out of text message communication at any time. To discontinue receiving SMS messages from the Bank, please reply to the message with “STOP”
Contact Country Bank or mail documents to:
15 South Street, Suite C
Ware, MA 01082-2003
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