Debit Cards


Convenience, protection, and great benefits.

A Denmark State Bank MasterCard® debit card is a smart, safe, and easy way to take care of all your purchases — both big and small. Use it anywhere MasterCard is accepted, or to withdrawal cash at ATMs everywhere.

And, with an Enhanced Debit MasterCard®, you’ll receive additional protection and benefits that can help you get more out of life.

Watch this demo about EMV Chip Cards

  • Access your funds anytime, anywhere.
  • Make purchases anywhere MasterCardis accepted around the globe at more than 39.6 million locations — in stores, online, and over the phone.
  • Track and monitor payments for better budgeting and control.
  • Better financial control than cash —Purchase amounts are deducted from your checking account so you know exactly what you have available to spend.
  • Track spending easily —Use your monthly checking account statement or your bank's online banking service to view your account statement for easy and fast record keeping.
  • Pay bills automatically — Set up automatic payments for utilities or rent, so what needs to get paid gets paid on time, every time.

Enjoy Better Protection and Great Shopping Benefits

Your Denmark State Bank Enhanced Debit MasterCard includes:

  • MasterCardID Theft Protection™* — Get expert assistance 24/7 should you become the victim of Identity Theft. To learn more or to register for early detection services with MasterCard Theft Alerts™, visit 
  • Zero Liability Protection* Protects you against unauthorized purchases on your card should your card be lost or stolen. 
  • Price Protection**— If you find a lower price within 60 days of purchase, Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.
  • Satisfaction Guarantee** Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.
  • Extended Warranty**— Doubles the time period and duplicates the coverage of the original manufacturer's or U.S. store brand warranty for a maximum of one year. 
  • MasterCardGlobal Service™ — Enjoy around-the-clock customer service for all of your account-related questions. 
EMV Chip

Improved security — your card includes the latest chip technology, which provides an added layer of security, providing greater protection against fraud.

Worldwide acceptance — your chip card also makes traveling easier and more convenient with its wide acceptance. It still has the traditional magnetic stripe on the back, enabling you to use it at merchants without chip-enabled terminals. 

How does a chip debit card works:

  • Merchants may ask you to insert your card into the terminal or they may ask you to swipe the magnetic stripe.
  • If you’re asked to insert the card, look for a slot on the bottom-front of the terminal and insert your card face up with the chip first.
  • Leave your card in the terminal until the transaction is complete.
  • The terminal will prompt you to sign or enter a PIN to validate your identity.
  • Take your card when prompted and don’t leave it behind.


Q:  What is an EMV chip card?

A:  EMV (Euro pay, Mastercard® and Visa®) chip cards are also referred to as “chip cards” or “smart cards”. They contain a small metallic computer chip that makes it harder for criminals to successfully profit from data breaches. Because the data on traditional magnetic strip cards never changes, criminals can duplicate the information stored on your card. An EMV card creates a unique transaction code each time it is used making duplication harder for criminals. 

Q:  When will I receive a chip-enabled Denmark State Bank Enhanced Debit MasterCard®?

A:  We anticipate being EMV ready in Summer 2016. As we get closer, we will send out a communication informing you about the EMV Card and when you can expect to receive your new chip-enabled Denmark State Bank Enhanced Debit MasterCard®.

Q:  How are chip cards different from existing magnetic strip card technology?

A:  The EMV “chip” is a secure microprocessor built into the card. The chip generates a unique number for each sale transaction, making it very difficult to use a cloned card on a card-present transaction. Magnetic strip cards use static cardholder data that remains the same for every transaction, which makes them active targets for theft, cloning and use in card fraud.

Q:Why are EMV chip cards being promoted as a payment standard in the US?

A: EMV chip cards are already well-established outside of the U.S., particularly in Europe. Upgrading to the EMV standard is anticipated to greatly reduce card fraud in the U.S.

Q: Will I still be able to use my new Denmark State Bank Enhanced Debit MasterCard® the same as before?

A: Yes, EMV chip cards do everything the magnetic strip on the back of your card does now, but the chip gives you added security benefits and you are still protected from fraud by MasterCard®’s Zero Liability Protection.

Q: How do I pay at a chip terminal?

A: Simply insert the chip end of your card into the terminal with the chip facing up. Leave your card in the terminal and follow the prompts on the screen. Remove your card from the terminal when prompted, then sign for your purchase and take your receipt.

Q: Why do I need to leave my card in the terminal?

A: While your card is in the chip-enabled terminal, the embedded chip creates a unique transaction code. This prevents stolen data from being fraudulently used. If you remove your card too soon, your transaction will be cancelled.

Q:  Can I still swipe my card to pay?

A: Yes, if a merchant is not yet chip-enabled, you can still swipe your card.

Q: Will I have to pay any fees to use my chip enabled card?

A: No, there are no fees to use your new card.

Q: Does my new card have all the same benefits?

A: Yes, but there is so much more including added security, Price Protection, Zero Liability Protection and Identity Theft Resolution Services.

Q: Does the chip contain my personal information?

A:  No, the card contains a tiny microprocessor which has cryptographic keys (secure, encrypted algorithms) to provide digital signatures, and enough information to only process and protect your transactions. In other words, the chip simply encrypts information to increase data security when making transactions at a chip enabled payment terminal.

Q:  Will I receive the same debit card number and PIN?

A:  No, you will receive a new account number and PIN with your new chip enabled MasterCard® debit card.

Q:  Do I still need to sign the back of my EMV chip debit card?

A:  Yes, you need to sign the back of your card for security purposes.

Q:  Will my EMV card work at the ATM?

A:  Yes, you can continue to use your card as you do today by following the instructions at an ATM.

Q:  Are there any situations where I could experience issues using my EMV chip debit card?

A:  When traveling outside the U.S. some card readers at unattended terminals (such as public transportation kiosks or gas pumps) require a PIN. However, this type of PIN technology is different than what you normally use for PIN transactions in the U.S. and the card won’t be accepted. In these situations, please locate an attended terminal to complete your transaction or plan for an alternative payment method, such as local currency.

Q:  Will EMV chip debit cards eliminate fraud?

A:  Chip card technology provides an additional layer of security to help reduce the risk of fraud, but it cannot completely prevent fraud from occurring. It is still important to keep your card number and PIN information secure.

Q:  Will EMV chip debit cards allow others to track my location?

A:  No, the EMV chip debit card is not a locator system (GPS). The chip on your card is limited to supporting authentication of card data when making a purchase.

Q:  Will the process of paying with a chip-enabled debit card at a restaurant or bar change?

A:  Yes, if the restaurant or bar accepts EMV-chip enabled debit cards, they will bring a portable card reader to your table to allow you to complete the payment process. This helps to protect card information from being stolen, as your card no longer leaves your sight as it did before. Remember, if a chip terminal is not available, you will still be able to make purchases by swiping your card and signing the receipt.

Q:  When using an EMV chip debit card, can the information transmitted from the chip be obtained by a fraudster?

A:  No, the EMV chip card is a contact card. Contact chip cards must be inserted face-up into a chip enabled merchant terminal that allows the chip to make contact with the reader to authorize and complete a transaction.


*Certain restrictions apply. Please see for more details.

**Certain restrictions, terms, and conditions apply. Contact 1-800-MasterCard for full details.

***Certain terms, conditions, and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MC-ASSIST (1-800-622-7747) for assistance.

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