Secure Purchases
Enjoy enhanced security and protection against debit card fraud with chip card and tap-to-pay technology.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Choose Your Debit Card
SECURE SPENDING, SIMPLIFIED
HAVE CONFIDENCE WITH EVERY SWIPE
DEBIT CARD FEATURES
Surcharge-Free ATMs
Access thousands of surcharge-free ATMs* through the SUM ATM Network.
Digital Wallet
Add your debit card to your digital wallet and make purchases with your phone.
Disclosure: *If you choose an ATM outside of the Country Bank or SUM ATM network, a surcharge may be imposed by the machine’s owner.
EVERY SECOND COUNTS
REPORT YOUR DEBIT CARD AS LOST OR STOLEN
If you believe your debit card has been lost or stolen, notify us immediately by calling 800-322-8233 during normal business hours or 1-833-933-1681 during non-business hours. If you are outside of the U.S. please call 1-812-647-9794 during non-business hours.
WooSox Debit Card
A Card for Real Fans
Just like fans support their home team, this card supports you with 2% cash back on debit card purchases when you open a Kasasa Cash Back account.
Whether you’re a die hard fan or just love supporting your community, the W Card is more than just a debit card. It’s your ticket to:
- 10% off at the Team Store at Polar Park
- 2,500 WooSox Rewards Points with proof of card
Teen Debit Card
Ages 13-17
The Country Bank Teen Debit Card gives teens ages 13–17 a safe, practical way to build money management skills with the support of a guardian or parent. With the ability to make debit card purchases of up to $300 per day and ATM withdrawals up to $200, teens can gain confidence managing everyday spending and building smart financial habits.
Kids Debit Card
Ages 8-12
The Country Bank Kids Debit Card gives children ages 8–12 a safe, simple introduction to managing money with the support of a parent or guardian. With daily purchase limits of up to $100, ATM withdrawals up to $50, and online balance viewing, kids can begin building smart financial habits with confidence.
TRAVELING? UPDATE YOUR DEBIT CARD STATUS FOR WORRY FREE FUN.
Call Us
Give us a call at 800-322-8233 so we can be sure your debit card works as you travel to new states and countries.
Send Us A Secure Message
Once inside the app, select Secure Messaging. Please include the last four digits of your debit card number, your dates of travel, and your travel locations.
Travel Tip
Planning a trip outside the United States? Call our Customer Care Center at 800-322-8233 to ensure seamless access to your account and other services. Safe travels—let us help you stay connected wherever you go!
ACT FAST, STAY SAFE
MANAGE YOUR DEBIT CARD IN MOBILE BANKING
Log in to Digital Banking
Select “Manage Cards” from the menu.
Control Your Lost Card
If you think you temporarily lost your card, you can turn your card off and on as you need.
FINDING YOUR SOLUTION
DEBIT CARD FAQs
Can I be charged a fee when I use my ATM/debit card?
No. Country Bank does not charge a fee when you use your card; however, you may be subject to a surcharge from another bank when you use their ATM. We belong to the SUM network which allows you to use other SUM member bank’s ATMs without incurring a surcharge. Visit the SUM website for a complete list of participating SUM ATM banks.
Can I make a deposit at any Country Bank ATM/ITM
Yes, at most of our ATM/ITM locations. The only location that cannot accept deposits is the Worcester Public Market.
What is a Chip Card?
The chip is on the front of the card while the magnetic strip is still on the back of the card so you are able to use your card at chip-enabled and magnetic strip terminals.
Each ATM or merchant terminal may be different so the rule of thumb is to “follow the prompts.” You will be prompted to re-insert your chip card after swiping your magnetic strip and most terminals and ATMs require you to leave your card in the terminal until the transaction is complete.
How do I file a debit card dispute?
Only posted transactions may be disputed.
During normal business hours:
- Call our Customer Care Center at 800-322-8233,
- Visit one of our Banking Center locations, or
- Send us a ‘Secure Message’ through your online banking profile
After normal business hours, please notify our Debit Card Dispute partner (around-the-clock service) at 866-279-1399.
Pending transactions vs. posted transactions: What’s the difference?
The primary difference between a pending transaction and a posted transaction lies in their status:
- Pending transaction: A temporary hold placed on your account that has not yet been finalized. It reflects the authorization of the charge but not the actual completion.
- Posted transaction: A finalized transaction that has been processed by the merchant and your bank. It officially appears in your account history, and the funds or credit have been permanently adjusted.
Pending transactions can change (i.e. cancellation or alteration in amount), while posted transactions are permanent and reflect the final amount charged.
Does a pending transaction mean it went through?
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.
Do pending transactions still take money out?
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.
How long do pending transactions take?
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.
Does Country Bank Offer a debit card for Children?
Yes! Children ages 8 and older are eligible to receive a Country Bank debit card.
Minor ATM Withdrawal Limits
- Ages 8-12: Up to $50 per day
- Ages 13-17: Up to $200 per day
Minor Debit Card POS Limits
- Ages 8-12: Up to $100 per day
- Ages 13-17: Up to $300 per day
HOW CAN WE HELP YOU
CUSTOMER SERVICE
Locations
Experience the difference of exceptional service when you stop by a local banking center.
Contact Us
Connect with your local banker by calling 800-322-8233 or sending an email to info@countrybank.com.