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Debit Cards

The fast, easy and convenient way to pay

American Bank’s Visa® Debit Card is accepted at more than 20 million locations worldwide. Plus, with American Bank’s Visa® Debit Card, you get 24-hour-a-day, 7-day-a week access to your money from any of the thousands of ATMs nationwide displaying the PLUS®, VISA®, Allpoint & Accel networks logos. American Bank Visa® Debit Cards are available to customers who have a checking account. You may also add your money market and savings account to your Visa® Debit Card to transfer funds between accounts or make withdrawals.

Plus, using your Visa Debit Card can be even more rewarding because we also offer uChoose Rewards – a rewards program that lets you choose where to shop and what to get for all the points that you earn.  Click here to learn more about uChoose Rewards and to register your card(s).

If you have a personal checking and savings account, you can also enroll in our Spend N' Save program. When you make purchases using your Visa Debit Card, our program will round your total up to the next dollar and transfer the funds to your savings account. It's a quick and easy way to start saving for a rainy day - all you have to do is contact us to get started!

Where Can You Use Your Card?

  • Use it to make purchases instead of hassling with cash or writing checks. The purchase amount will be deducted from your American Bank checking account.
  • Use it as an ATM card everywhere you see the PLUS®, VISA®, Allpoint®  and Accel™ networks logos. We also provide ATM rebates* for customers that have an American e-Checking, Forever Free Checking or Student Checking account (limits apply).  No transaction fees are charged on Visa® point-of-sale transactions.
  • Use it to pay your bills. Whether it’s your phone or cable TV bill, your gym membership or Internet service provider, paying bills with your debit card is easy, convenient, and safe. Say goodbye to writing checks for all your different bills, buying stamps, and getting everything in the mail on time to avoid late payments.
  • Make your life easier during tax season. Use your American Bank Visa Debit Card to pay your personal income taxes. It’s faster and more convenient than mailing a check, and you have peace of mind that your payment is made on time. (Please Note: fees may apply by the taxing authority and may vary based on taxes due)

* This applies to ATM withdrawals within the United States.  Rebates for ATM transactions outside of the United States will be calculated based upon conversion to U.S. dollars of the amount of the ATM withdrawal plus any applicable fee. 

Fraud Monitoring 

Minimizing the threat of fraud is a matter of having the right tools in place. We monitor debit card transactions for suspicious activity and fraud utilizing real-time fraud monitoring. This aids in the prevention of fraud immediately by declining the transaction while the fraudster is still at the point-of-sale. When fraudulent card activity is suspected, we will attempt to contact you by email, phone or text within our records to verify the transaction.

Traveling? 

Before taking that much needed vacation to the islands or visiting your extended family overseas, please contact us with the dates and locations. Providing us with a travel notification will assist us in monitoring your account accordingly to minimize the chances of your debit card being blocked or flagged for unusual activity while traveling outside the United States. You may also want to update our records to include a mobile phone number where you can be reached as well as an email address.

In addition, it is important to note that we maintain a list of Blocked Countries which means that you may be unable to utilize your debit card for certain transactions while traveling in one of these countries. If you are planning to travel to a country listed in our Blocked Countries list, please give us a call so that we may discuss alternative means of accessing cash while you are away. 

ATM Withdrawals

We do not charge a fee for ATM withdrawals. However, you may be charged a fee by the financial institution that owns the ATM. Check out our listing of FREE ATMS for the no-fee ATM nearest you.  Please be advised that these listings may change at any time. If an ATM is now assessing a surcharge, the ATM should disclose this information.