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Debit MasterCard

Debit MasterCard®

Make the most of your checking account at Blackhawk Bank & Trust by adding a debit card. Using your debit card is easy and convenient, plus we have the tools you need to always be alert of how and when your debit card is used! 

When you have a MasterCard debit card, it's easy to enjoy the freedom of not carrying cash or checks. You can use your debit cards at millions of locations worldwide—at major department stores, gas stations, online retailers and more. Plus, access your account information online anytime day or night.

  • Contactless payments use short-range wireless technology to make secure payments between a contactless card or payment-enabled device and a contactless-enabled checkout terminal. Contactless payments are just as secure as EMV chip payments. Each transaction is accompanied by a one-time code that protects your personal information.
  • Mobile Wallet allows you to add your debit card to Apple pay, Google pay, or Samsung pay for fast check-out, secure transactions, and less to carry!
  • Surcharge-free ATM transactions at one of our 25+ local ATMs
  • Card management features through our mobile app allows you to use your card easily, manage your cards on-the-go, understand your spending, and engage in real time alerts.
  • Automated fraud text alerts. The Blackhawk Bank & Trust Fraud Tools do the hard work for you. The system monitors your accounts 24/7, watching for fraudulent activity and alerts. If something looks suspicious, we'll text you to confirm that it is your purchase. Simply reply 'Yes' or 'No.'

Mobile Wallet for Debit & Credit

Add your Blackhawk Bank & Trust debit MasterCard®, Visa® Platinum credit card, or Visa Platinum Rewards credit card to your mobile wallet and use it where contactless payments are accepted.

  • Fast Checkout
  • Secure
  • No more bulky wallet

Check out how to add your card to Mobile Wallet. This video will cover topics such as:

  • How your mobile device sends a unique, one-time passcode to the merchant’s terminal that doesn't contain actual card information like your name or card number. 
  • Ensures that the app is installed on your mobile device, and if not go to your app store to see if it’s available for download. 
  • How your device provides simple on-screen instructions to load your card information to the app. 

Disclosures

*Blackhawk Bank & Trust mobile wallet option is free of charge, but you may be charged access rates depending on your mobile carrier. Web access is needed to use mobile wallet. Check with your service provider for details on specific fees and charges.Google, Google Pay, and the Google Pay Logo are trademarks of Google Inc. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, and Apple Watch are trademarks of Apple Inc. ©2017 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Gear, Galaxy S, and Gear S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Samsung Pay is available on select Samsung devices.

Create your personalized MasterCard debit card today!

Personalized debit cards make all the difference. With the My Card Creation tool, you’ll be able to add your favorite photos to your debit card. The Blackhawk Bank & Trust Mastercard® debit card with EMV® technology offers worldwide, global convenience. 

Full Image Photo Debit Card

  • Customize Your Card: design a card that reflects your personality. Show off your favorite photo every time you make a purchase.
  • Select a Photo from Our Gallery: you can also choose a photo from our gallery. With images ranging from scenic views to patriotic symbols, you’re bound to find one you’ll be proud to display. 

BEGIN CREATING!

Important information about full image photo debit cards:

Image Guidelines

Uploaded Image Requirements:

  • minimum size of 840 x 840 pixels
  • not larger than 10 MB
  • JPEG, PNG, GIF, Bitmap, or TIFF format

Cardholder supplied images and/or text should not contain:

  • Political statements
  • Advertising, promotional text, slogans, copyrighted or trademarked material
  • Phone numbers, URLs
  • Brand names or branded products
  • Celebrities, athletes, musicians, public figures, etc.
  • MasterCard®, American Express®, Discover® or any other payment brand references
  • References to any Visa sponsorship property, such as the Olympics or NASCAR
  • Socially unacceptable groups
  • Provocative or sexual content
  • Profanity, obscenities or nudity
  • Violence, firearms, weapons or ammunition
  • Alcohol or tobacco
  • Any content that might result in problems at point of sale or interfere with security features of the card
  • Any content that might infringe, denigrate or dilute the MasterCard or Visa brands or their member financial institutions

Frequently Asked Questions

Who's eligible for a Blackhawk Bank & Trust Customized Mastercard® Debit Card?

Those who have a Blackhawk Bank & Trust account with a Mastercard® Debit Card. The primary account owner and any authorized users on the account can customize their card.

What if I have an existing Blackhawk Bank & Trust Mastercard® Debit Card?

In order to receive your new Photo Card, you will need to Apply Online first. You will receive the new Photo Debit Card in the mail, you will actually receive a new card number and PIN.

What will happen to my existing Blackhawk Bank & Trust Mastercard® Debit Card?

Your existing card will be closed 30 days after your new Photo Debit Card is ordered.

How often can I change my design to a customized Blackhawk Bank & Trust Mastercard® Debt Card?

You can change the existing card for either primary account owner or authorized user as often as you like.

What images are not acceptable?

Please see our Image Guidelines for our criteria for acceptable photo submissions. Blackhawk Bank & Trust reserves the right to reject any image we believe violates our Image Guidelines. If an image is rejected, you will be notified by e-mail within two business days. You may submit a new image anytime following your rejection.

How much does it cost?

A fee of $10 will be deducted from your checking account linked to your Mastercard® Debit Card each time you create a new card.

What happens when my card expires?

Upon expiration of your card, a new card will be sent with the same image as your most recent card.

How will I receive my personalized card?

Your card will be mailed to you via the US Postal Service. Your PIN mailer will arrive separately for your security.

How long will it take to receive my card?

After your request has been submitted and approved by Blackhawk Bank & Trust you can expect your card to be mailed within 7-10 days.

What if I pay a recurring bill using my debit card?

When your new card arrives, contact the vendor who initiates the bill payment and switch the transaction over. All new Photo Cards come with a new card number, three-digit security code and PIN.

Terms and Conditions 

BLACKHAWK BANK & TRUST My Card Creation Card Program

These Terms and Conditions for the Blackhawk Bank & Trust My Card Creation Card Program (“Terms”) are separate from your other Blackhawk Bank & Trust account documents and should be added to your files for future reference.

Blackhawk Bank & Trust My Card Creation Cards are available to customers qualifying for an ATM or Debit Card. By submitting an image to be considered for use on your ATM or Debit Card, each cardholder (“you”) agrees to the following Terms. By requesting an Blackhawk Bank & Trust My Card Creation card and submitting an image of your choice, you give Blackhawk Bank & Trust permission to use the image on the Card and agree to indemnify, defend and hold Blackhawk Bank & Trust officers, employees and contractors harmless from and against any damages, loss, costs, expenses (including court costs and attorney’s fees) incurred by or asserted against Blackhawk Bank & Trust caused directly or indirectly by the use of the image and this service. Blackhawk Bank & Trust reserves the right to add to or modify these Terms and to terminate the Blackhawk Bank & Trust My Card Creation Card Program or Card issued to you, at any time, in its sole discretion. Blackhawk Bank & Trust reserves the right to reject any image (includes a photograph) submitted, in our sole and absolute discretion.

You may not submit images that are unacceptable, including, but not limited to, the following examples:

  • Copyrighted material or other photographs not owned by you (including professional photographs taken by others).
  • Trademarked or proprietary material, advertising, promotional materials, competitive marketing, Web site addresses, e-mail addresses, telephone numbers or other personal information.
  • Celebrities and public figures, including music, entertainment, sports and political figures.
  • Obscene or lewd material, harassing, inappropriate, discriminating, provocative material or any other offensive or socially unacceptable material.
  • Symbols of death, destruction, violence, or any other negative images that do not reflect positively on Blackhawk Bank & Trust.
  • Images that may interfere with the acceptance of the Card or the security features. Images that do not cover the entire surface of the Card.
  • Images containing alcohol or tobacco.
  • Religious symbols, images or text.
  • Images of money.
  • Photos that feature a mascot or character as the primary focus of the photo.

For Identity Photo Cards I agree to upload only my own likeness. A custom image on your card does not imply any additional security and, when appropriate, you should expect to show photo ID if requested. If you should lose your card or believe the card has been stolen, call (309) 787-4451 during banking hours or (800) 472-3272 anytime – and any day of the week.

There is a $10 fee for each uploaded full image or identity photo card. The fee will be deducted from the first account you have listed on your card. If you do not have enough funds to cover the fee(s), your Blackhawk Bank & Trust My Card Creation Card request will not be processed.

You agree to destroy your old card once you receive your new Blackhawk Bank & Trust My Card Creation Card and hold Blackhawk Bank & Trust harmless from any loss as a result of NOT doing so. Reissued Cards Once your debit card has been issued with a custom photo, subsequent reissues of the card whether reissued due to the card being lost or stolen or if the card expires, will be issued with the image previously uploaded.

Should you wish to upload a new photo to be used on your card reissue, please do so at least two months (60 days) prior to your card expiration date. Do not upload a new photo if fewer than two months remain until your card expires. Contact us at (309) 787-7567 to discuss your options. Cancelling a Blackhawk Bank & Trust My Card Creation Card If you do not wish to have your card reissued with a custom image, please contact us at (309) 787-7567 at least two months (60 days) prior to your card expiration date.


Debit & Credit EMV Chip Technology

A microchip embedded in the card adds an enhanced layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting. 

Topics included in the video:

  • Security Code to protect purchases where the card is not present
  • Traditional Magnetic Stripe for purchases where only swiping is available
  • Your PIN or signature helps assure you are the person using the card
  • The Chip embedded on the face of the card is another way to help prevent fraud 

Additional Details

Mastercard Zero Liability

All debit and credit cards we issue come with ‘zero liability protection’ so you are not held liable for unauthorized transactions if a card is lost, stolen, or fraudulently used. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.

Frequently Asked Questions

How do I use my card at a chip-enabled terminal?

If the terminal is chip-enabled, you will be instructed to insert your card.

1. Insert your card, face up and chip end into the chip-enabled terminal.

2. Leave the card in the terminal during the entire transaction.

3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

NOTE: If a merchant isn’t using a new chip-enabled terminal yet your payment will process as it normally does from your initial ‘swipe’. Chip cards will continue to have the magnetic stripe on the back.

What is the difference between chip and signature and chip and PIN?
You may be asked to provide your signature or enter your PIN to complete a transaction. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks. Please note that some merchants are now requiring you to use your PIN for debit card transactions (previously you could select “credit” to sign instead). This change will also impact your HSA card (if you have one). This is why it is important to select and remember your PIN. You are always protected against fraud no matter if you sign or enter your PIN.

Will chip cards prevent data breaches?
While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Does a chip card contain more information about me that could be stolen?
No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.

Can someone steal the information in my chip card remotely using radio waves or a “contactless reader?”
No, your chip card must be inserted into a point-of-sale (POS) terminal or ATM in order to read the chip. Your chip card has to be within two inches of a contactless reader in order to activate. The information that can be read is limited and not sufficient to make a fraudulent card.

How can I get “cash back” when using my debit card?
Some merchants that allowed cash back (e.g. supermarkets) had to disable this feature when they started accepting EMV™ chip cards. We expect they will allow this feature within the next several months. Be sure to let the merchant know you would like the option to get cash back.

Disclosures

EMV® is a trademark owned by EMVCo LLC.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. All other trademarks are property of their respective owners.

BhB&T Card Management Features

The BhB&T mobile banking app upgrade allows you to use your card easily, manage your cards on-the-go, understand your spending, and engage in real time alerts.


Use your card easily

  • Add an enrolled card to your digital wallet such as Apple Pay® or Google Pay™.
  • View one-time payments made to your card kept on file in the merchant's database as well as automatic payments made from your card to merchants on a regular basis.
  • Display your digital card information (full card number and details), needed to perform transactions without using a physical card.

Manage your cards on-the-go

  • Turn your cards on and off - when the card is off, no purchases or withdrawals are approved except for previously scheduled recurring payments.
  • Enable controls to restrict your card usage based on location, spend limit, merchant type, and transaction type.
  • Establish alerts for each time your card is used based on specific desired alerts or when a transaction is attempted but declined.
  • Manage your travel plans to allow transactions in specific domestic and international destinations.

Understand your spending

  • Check transactions and account balances associated with cards enrolled in "My cards". Transactions are listed with recognizable merchant details so you are able to seamlessly identify transactions.
  • Get spend insight analytics to see what, when and where your transactions are occurring.

  Download the Blackhawk Bank & Trust mobile app

iPhone App Store     Google Play Store

Once downloaded, log in and tap on "My cards" to begin taking control of your BhB&T debit & credit card transactions right from the palm of your hand.

Two-Way Text Alerts

If our system detects suspicious activity on your debit card, you will receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction.

How it Works

If our system detects suspicious activity on your card, you’ll receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction.

If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set. The system will mark the transaction as legitimate and you can get on with your day – simple as that.

Getting Started

Make sure your phone number is current with us. If your number is current, you'll receive a text message from us asking if you want to enroll in Fraud Text Alerts. Say yes, and we will text you anytime a transaction looks suspicious. It’s an easy way to keep your account secure and prevent fraud.

You may also choose not to receive text alerts right away. Don’t worry, you can sign up anytime in the future and still be covered. If fraud is detected on your account, you will continue to receive phone calls from us alerting you of potentially fraudulent activity if it occurs.

This video gives information on:

  • How our fraud monitoring network watches for suspicious or unusual transactions
  • What happens if a suspicious transaction appears on your card
  • How simple, quick and easy this tool can be.