Personal Debit Cards Security

VISA® EMV DEBIT CARD

Benefits

The VISA® CHIP (EMV) Debit Card is available to individuals or businesses who have a deposit account with Plumas Bank. Your CHIP (EMV) Debit Card has chip based technology that features an embedded microchip to provide enhanced security and protection against fraud.

The card can be used at any Automated Teller Machine (ATM) displaying the VISA, STAR, PLUS, and JEANIE Symbols. When you use your VISA® CHIP (EMV) Debit Card, funds are automatically deducted from your checking account.

Here are a few of the benefits of your Plumas Bank VISA® Debit Card:

Enhanced Security and Fraud Protection

Your CHIP (EMV) Debit Card provides additional security when used at a chip-enabled terminal. Data stored on the chip is more difficult to counterfeit.

Global Acceptance

You'll enjoy greater acceptance when traveling, as chip cards are common in over 130 countries around the world, including Canada, Mexico, and Europe.

Safe and secure

For regular ATM transactions you use a four digit Personal Identification Number (PIN) to identify yourself. For VISA® Debit Cards transactions at a merchant that accepts Visa Debit Cards, your signature serves as identification.

Zero Liability

Zero Liability Protection means you are protected against fraudulent transactions if you notify us in a timely manner. If you tell us within 2 business days after you learn of the loss or theft of your credentials, you can lose no more than $50, subject to Zero Liability protection. If you do not tell us within 60 days after you learn of the loss or theft of your credentials, you may lose up to $500; after 60 days it will be at Bank discretion to credit your account. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount of the possible fraudulent activity, until the investigation is complete. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. If the complaint is not received in writing within 10 business days, it will be at Bank discretion whether to credit your account.

24-Hour access to your account

You can use your Plumas Bank VISA® Debit Card at any Plumas Bank ATM to obtain cash, make deposits, or transfer funds between Plumas Bank accounts. The card can also be used at any VISA, STAR, PLUS or JEANIE ATM to obtain cash. The Visa® Debit Card can also be used at any merchant that accepts VISA®.

Fees

Plumas Bank clients using their ATM or VISA® Debit Card at other ATM machines without the VISA, STAR, PLUS or JEANIE symbols will be charged a $2.00 foreign ATM fee and the ATM owner will also charge a fee, these fee amounts vary by machine. The fee for using a foreign ATM machine is disclosed prior to completing your transaction.

Maximum Daily Withdrawal Limits: The maximum daily withdrawal limit for a Plumas Bank VISA® Debit Card is $500 cash and $2,500 for Point of Sale (POS) purchases at merchant locations and telephone and internet purchases.

For Lost or Stolen ATM/Debit Cards: 800.528.2273

Plumas Bank disclosures.