• MasterCard Debit Card
  •  Your picture is on the card for added security
• Credit Card – Personal
  •  Earn rewards on every purchase
• Credit Card - Business
  •  Flexibility to meet your business needs
• Gift Cards
  •  The any season, any reason gift card
• Merchant Card Services
• ATM Locations
• FAQ’s

• FREE with personal checking accounts upon request
• For greater security and upgraded identification purposes, our debit card has your picture on the front of the card
• 24 Hour access to cash
• Withdraw funds from any ATM in the world (certain restrictions may apply; fees may apply at non-PSB machines)
• Ability to purchase items anywhere Debit MasterCard is accepted, including online
• 4 digit Personal Identification Number (PIN) to keep your account safe and secure

Earn Bonus Points redeemable for FREE gifts and travel awards each time you make purchases using your Peoples State Bank VISA® Classic or VISA® Gold Card.

• Bonus Points are reported on your monthly statement
• When you use your card, you are eligible to receive many benefits like:
   
  • Toll-Free Travel Reservation Service
  • Bonus Travel Dividends
  • Auto Rental Discounts
  • Credit Card Registration
  • Key Registration
  • Automatic Renter’s Liability
  • Medical Assistance
  • Travel Protection
  • Lost Luggage Locator Service
  • Lost or Damaged Luggage Insurance*
  • Hotel/Motel Theft Insurance*
  • Concierge Service
  • Quarterly Newsletter

View Your Statement Online
Browse Scorecard Rewards

Our flexible Business VISA® is accepted at thousands of locations worldwide. Our card comes with the personal, friendly service you’ve come to expect from us.

Benefits with the Peoples State Bank Business VISA® card include:

• Travel Accident Insurance*
  • When you use your card to purchase your entire travel fare on a common carrier, you are automatically provided with Travel Accident Insurance coverage. Your spouse and eligible dependent children are also covered when their travel fare is purchased with this card. This coverage is provided to you at no extra cost. See your description of coverage for complete details.
     
• Extended Warranty
  • On purchases made in full using the Peoples State Bank Visa the Extended Warranty Program doubles the U.S. Manufacturer’s warranty period and extends coverage up to one additional year for warranties of five years or less. (Some exclusions apply.)
     
• 90 Day Product Protection
  • The 90-day Product Protection Program covers new consumer products purchased in full with a credit card issued by your sponsoring institution against direct physical loss or damage for 90 days from the date of purchase. (Some exclusions apply.) Coverage is in excess of other collectable insurance.

View Your Statement Online

• Not a deposit
• Not FDIC Insured
• Not Guaranteed by the Bank
• Not guaranteed by any Federal Government Agency
• May lose value

• Use anywhere MasterCard is accepted
• Give up to $500 on a single card
• Issued instantly in the branch
• Great for birthdays, anniversaries, graduations, new baby, and so much more!

• Set your business up to accept credit cards for goods purchased
• Service and equipment from your bank
• Set up assistance from someone you know
• Competitive pricing
• Contact Merchant Card Services at 318-256-4376

• Many
  • 880 San Antonio Avenue
  • 180 San Antonio Avenue
     
• Zwolle
  • 2144 Obrie Street
     
• Mansfield
  • 1017 Washington Street (Hwy 84 West)
     
• Toledo Bend - Big Star Supermarket
  • 12054 Texas Highway
     
• Greenwood
  • 8360 West 70th Street (I-20 Exit 5)
     
• Alexandria
  • 1700 Bank Drive (Lee @ Texas)
  • 1423 Wimbledon Drive
     
• Natchitoches
  • 315 Royal Street
  • 4115 University Parkway (Hwy 6)
  • French Market Express (I-49)
  • Natchitoches Parish Hospital (501 Keyser Avenue)
  • Northwestern State University (Student Union)
     
• Robeline
  • 8994 Texas Highway
     
• Florien
  • 1264 N. Nolan Trace (Hwy 171)
     
• Pleasant Hill
  • 110 Main St. (Hwy 175)
    


• Shreveport
• Northwestern State University (1800 Line Avenue)
  


• Leesville
• Northwestern State University (3329 University Parkway)
  

1. What is the difference between PIN based and Signature based transactions?
2. Why does my picture need to be on the Debit /ATM Card?
3. How much can I spend with my debit card in one day?
4. What do I do if I lost or forgot my PIN?
5. What do I do if I get a message saying my Debit/ATM card is locked out?
6. What if my card is stolen or lost?
7. Why can’t I use a Debit Card signature-based transaction at some merchants?
8. Can I change my Debit/ATM Personal Identification Number (PIN)?
9. What do I do if my VISA credit card has been lost or stolen?
10. What can I redeem my Scorecard Bonus Points for?

1. What is the difference between PIN based and Signature based transactions?
   
   A PIN based transaction occurs when you have to enter your 4-digit PIN when you purchase an item. The money typically withdraws from your account the same day. A Signature-based transaction occurs when you have to sign a receipt or sometimes don’t sign a receipt. Signature-based transactions take 1-3 business days to subtract from your account. Both require sufficient funds at time of purchase in order to work.
    
2. Why does my picture need to be on the Debit/ATM Card?
    
   Your picture adds security and safety to your Debit/ATM Card. This is another piece of information that can verify you in order to combat identity theft and fraud.
    
3. How much can I spend with my debit card in one day?
    
   Debit Card purchases cannot exceed $1,000 in a 24-hour period. Limits are designed to protect you and to help eliminate debit card fraud.
    
4. What do I do if I lost or forgot my PIN?
   
   If you have lost or forgot your PIN, you will need to go to the nearest branch and complete a request for PIN reissue. While this may be an inconvenience to you, it is for your protection. Your PIN will be mailed to the address we have for your account. Only the cardholder can request the PIN. No one at the bank knows your PIN.
      
5. What do I do if I get a message saying my card has been locked out?
    
   This means you have attempted to access your account three with the wrong PIN. Again, this is a security feature. Don’t panic. If this occurs at a branch ATM during office hours, simply go inside and someone will be able to assist you. If this occurs after hours or at another ATM, you will need to contact Card Services directly for assistance. Call 800-988-8516.
    
6. What if my card is stolen or lost?
    
   If your Debit/ATM Card is stolen or lost, or that a transaction was made without your permission, you must notify us immediately. There are a couple of ways to notify Card Services:
   
   1. Call 1-800-988-8516 24 hours a day, 7 days a week
   2. Call or visit your local branch during business hours
       
7. Why can’t I use a signature-based transaction at some merchants?
    
   A recent court settlement with VISA® and MasterCard allows merchants to choose whether to accept Debit MasterCard as a signature-based transaction or not. Be sure to ask the merchant before hand to avoid any inconvenience.
    
8. Can I change my Personal Identification Number (PIN)?
    
   Not at this time. Your PIN is computer generated and therefore no one at the bank knows your number. Don’t write your PIN down because someone might be able to steal it and your card.
     
9. What do I do if my VISA® credit card has been lost or stolen?
    
   If you believe your VISA® has been stolen or lost, or that a transaction was made without your permission, you must notify us immediately.
      
   1. Call 1-800-854-3678 24 hours a day, 7 days a week
   2. Call or visit your local branch during business hours
       
10. What can I redeem my VISA® Scorecard Bonus Points for?
     
    Visit the Scorecard Rewards website to view all of your options. The address is https://www.scorecardrewards.com.