Debit Card FAQs
If I have a debit card, why do I need checks?
Some people prefer to use their debit card for everyday transactions; others choose to use their debit cards and checks. The choice is up to you.
What is a debit card? Is it a credit card?
Debit cards look just like credit cards, but are different in a handful of important ways. The main difference is that a debit card is linked directly to your checking account instead of a line of credit. Many people find this important distinction a benefit since it helps you budget and avoid overspending. Farmers Bank offers debit cards that can be used at ATMs and millions of locations worldwide that accept Visa® Debit.
Do I get a debit/check card with my account?
All of our checking accounts include a free Visa® Debit Card, if your meet the qualifications, and there's no monthly service fee. You get benefits and convenience with your Farmers Bank Instant Issue Debit Card.
How do I get a Visa® debit card?
Just ask one of our Friendly Customer Service Representatives. We'll take care of the rest.
Can I use my debit card like a credit card and pay a little each month?
No. You do not receive a bill and do not have the ability to pay over a period of time. The funds MUST be in your account to make a purchase using your Farmers Bank Debit Card. Please note that a Farmers Bank Visa® Debit Card should not be used to "balance" your checkbook or used to find out when you have a zero balance. If you choose to opt-in, you can access your overdraft protection by using your Debit Card at an ATM or merchant.
What do I do if my Debit Card is lost or stolen?
Immediately place a call to get your card cancelled. During regular lobby business hours of M-F; 8:30 am - 5 pm (Blytheville) or M-F 7 am - 6 pm (Manila) call 870-763-8101 ext 173 or 151 and AFTER HOURS (CST) call 1-800-472-3272 to reach our Lost Card Hotline. Don't forget to come by the bank to request a new Instant Issue Debit Card.
When and where can I use my Visa® Debit Card?
You can use your Farmers Bank Debit Card wherever Visa debit cards are accepted. Most retailers and service providers will allow you to use your card as a (POS) Point of sale or signature-based transaction or as a PIN (Personal Identification Number) based transaction. Some banks will charge you per POS transaction. Farmers Bank does NOT have a per item POS transaction charge.
Will my Visa® debit card purchases show on my monthly checking statement?
Yes. The amount, date, and the name of the place where you used it will all appear on your statement along with checks you write and ATM transactions. Having all of your transactions on one statement helps you keep better track of your spending.