FAQ | Debit Cards

General | MobiMoney | Visa Chip Cards


General

Q: What is the daily withdrawal limit at the ATM?

A: $600 per day through the ATM.


Q: What are the transaction limits for a Visa Debit Card?

A: Personal Debit Cards:

  • With your PIN: 20 transactions per day or $2,500 per day
  • Without your PIN: 20 transactions per day or $2,500 per day
  • Cash Advance: 5 per day or $1,000 per day

Business Debit Cards:

  • With your PIN: 20 transactions per day or $2,500 per day
  • Without your PIN: 20 transactions per day or $5,000 per day
  • Cash Advance: 5 per day or $1,000 per day


Q: What are the locations of your ATMs?

A: The Wauchula office has both a walk up and a drive up ATM. Bowling Green, Fairmount, Lake Jackson, and Lake Placid all have a drive up ATM and the Zolfo Springs office has a walk up, however, you have now access to over 50,000 surcharge-free ATMs nationwide with over 3,000 in Florida. Find the location most convenient for you .


Q: How do I activate my new Visa Debit Card?
A: You can activate your new Visa Debit Card by calling 1-866-642-0450 and following the prompts.


Q: How do I report a lost or stolen Visa Debit Card?

A: You can report a lost or stolen Visa Debit Card by calling 1-800-528-2273 or 1-812-647-9794 (internationally). Or, you can always call our Customer Care Center during business hours at 1-844-287-4225.


What happens if my card is frozen due to suspected fraud?

If your card is frozen, you call 1-800-528-2273 or 1-812-647-9794 (internationally) from 9 a.m. to 9 p.m. or 1-877-230-3179 from 9 p.m. to 9 a.m. Or, you can always call our Customer Care Center during business hours at 1-844-287-4225.


Q: Can I use my Visa Debit Card outside the United States?

A: Yes, you may use your card outside the United States. We do, however, recommend for you to contact us at 1-844-287-4225 whenever you are traveling and using your debit card outside of the country so we can update our fraud department with that information.


Q: What happens if an unauthorized debit/charge appears on my account?

A: Contact Wauchula State Bank immediately at 863-773-4151 or stop by any Wauchula State Bank office. After normal business hours, please contact the 24-hour Hotline at 1-866-642-0450.


Q: Can I change my card's PIN?
A: Yes. You can change your PIN number at any time by calling 1-877-265-9594 or 1-859-488-4130 (internationally).


Q: Where can I find surcharge-free ATMs in my area?

A: Find ATMs closest to you or download our Mobile Banking iPhone or Android app. Click on Locations and search for the closest surcharge-free ATM by clicking on the icon.


MobiMoney (formerly Debit Card Alerts)

Q: What are Wauchula State Bank’s Debit Card Alerts?

A: Debit Card Alerts are information sent to your cell phone when card transactions occur on your debit card.


Q: How do I enroll for Debit Card Alerts?

A: Debit Card Alerts are set up through MobiMoney. Download the App from either the App Store or Google Play , then follow the instructions presented in the User’s Guide . Or, if you need further assistance, we’ll be happy to help, call a Customer Service Representative at 844-287-4225.


Q: What if I have multiple cards? How can I get set-up?

A: If you have multiple cards on your account, each user will have to separately register their card through MobiMoney. Each user will be able to establish their individual alert preferences and other controls. When receiving notices, the last four digits of the card will appear in the alert so you know to which card it belongs.


Q: Is the MobiMoney™ app different than the Wauchula State Bank mobile banking app?
A: Yes, this app can be downloaded free of charge from your app store and is designed to give you control of your debit card.


Q: Why is the gas station charging me a larger dollar amount than am I pumping?

A: The gas station does not know how much gas you intend to purchase when you first use your card to pay at the pump. They estimate an amount, and then make an authorization request for this to ensure that you have that much in your account before they let you pump gas. The actual amount on your receipt is what you will be charged.


Q: Are the alerts sent in real time or will there be delay in receiving them? If so what is the delay?

A: Most alerts are sent real time, but there may be a delay in some cases depending on how the merchant processes their transactions.


Q: How do I set up MobiMoney™?

A: Setting up MobiMoney™ is as easy as downloading the app and following the prompts when you click on ‘New User’, then follow the instructions presented in the User’s Guide .


Q: What if I need help setting up MobiMoney™?

A: For your convenience, we have prepared additional FAQs to help you setup MobiMoney or our Customer Care employees are always happy to assist you, as needed.


Visa Chip Cards

Q: What is a chip card?

A: Wauchula State Bank Visa Debit Cards now feature built-in chip technology. You'll enjoy global acceptance plus an enhanced level of security.


Q: How does chip technology protect my information?

A: Whenever you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.


Q: Where can I use a chip card?

A: You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.


Q: Can I swipe my chip card to pay?

A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.


Q: Can I use my debit card at the ATM?

A: Yes. You can still use your card at the ATM to get cash, check your balances and more.