Visa Debit Card

Use your Valley State Bank Visa Debit Card to make purchases every day-online and on the go!

  • Avoid check writing stress
  • Safe and secure method of payment
  • Get detailed transaction description with your monthly bank statement
  • 24 Hour ATM access
  • Accepted at millions of destinations around the world

Protect Your Debit Card with the Guardian

Guardian Anti-Fraud Notifcation ServiceThe Guardian is an anti-fraud notification service that sends text alerts directly to your mobile phone or other SMS-enabled device. When certain debit card transactions take place, this added layer of security alerts you to possible fraudulent use of your card. Click HERE to sign up today to guard yourself against debit card fraud!

If you receive a text about a transaction you think is fraudulent, you can reply immediately and your card will be blocked from further activity. The text alert will also describe how to respond in order to stop the current transaction right from your mobile device.

This free service will send you a text alert for all of your enrolled Valley State Bank Visa debit or ATM cards, if any of the following events/transactions occur:

  • Authorizations over $500
  • Declined authorizations
  • Five or more authorizations in 24 hours
  • Declined transactions
  • Out of town transactions
  • Transactions where the card not presented

Travel Notifications

If you're traveling outside of your immediate area and plan to use your Valley State Bank debit card during your trip, please notify us before you depart. To notify Valley State Bank of an upcoming trip, please send us a secure message via online banking or call our Customer Service Department at 256-332-3600.

When notifying us about international travel, it's important to include a list of the specific countries you will be visiting where you may need to use your card. Remember to include places where you have a flight layover in case you need to make a purchase at the airport.

Keep our customer service phone number handy in case your card is lost or stolen. During business hours, you can call 256-332-3600.

Our debit cards have daily limits for cash withdrawals and purchases. Contact us if you wish to make any changes to these limits before you go. Make sure we have your current contact information in case we need to contact you.

EMV Chip

Named for the three companies that created it - Europay, MasterCard and Visa - EMV is a tiny chip embedded in payment cards that is virtually impossible to counterfeit and offers much stronger security features than most American cards.

Chip cards are not only more secure, they are also simple to use. Chip cards and terminals work together to protect in-store payments. A unique one-time code is generated behind-the-scenes that is needed for the transaction to be approved - a feature that is virtually impossible to replicate in a counterfeit card.

EMV represents a more secure future for card payments, and promises to reduce card fraud and counterfeiting, potentially transforming the landscape for payment processes in the United States.

* You are responsible for any text messaging fees from your carrier (not from Valley State Bank), and carrier message and data rates may apply.

You Can Count On Us!