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Personal Banking
Personal Checking
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ATM/Debit Cards
ATM/Debit Card Frequently Asked Questions
Financial Calculators
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ATM/Debit Cards

ATM/Debit Card Frequently Asked Questions

What if I lose my PIN number?

Contact Houghton State Bank (623-4823) and arrangements will be made for you to sign an authorization form requesting a PIN number reissue.

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What if I lose my card?

Contact the bank immediately. After banking hours report lost or stolen cards to SHAZAM® at (800) 383-8000. A new card will be issued upon written request for a fee of $10.00.

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How much money can I withdraw in one day?

$250.00 per day.

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What is a "day"?

The day starts at 6:00 p.m. From 6:00 p.m. one day to 6:00 p.m. the next day is one day.

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Can I use my ATM/Debit card for both checking and savings?

An ATM can be used for savings only. A debit card may be used for either checking or savings.

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What if I can't get the card to work?

In most cases, the ATM machine will give you a receipt which has a coded number at the bottom. Keep this receipt and either bring it to the bank or call. We can look up the code number and determine the problem.

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Will ATM machines in other locations outside of Red Oak know what the bank's withdrawal limits are?

Yes.

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What happens if the machine captures my card?

Contact the bank. At an HSB machine we will return the card with proper ID. AT a foreign machine, the card will most likely be destroyed.

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Will the machine let me overdraw?

No. It will not give you what you do not have in your account.

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Can I withdraw the same day I deposit a check?

If you have no other funds in your account it will take approximately 1 business day to clear and credit your account.

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Can I deposit out of state?

No.

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Can I withdraw out of state?

Yes.

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Can I just withdraw funds with my ATM/Debit card?

No. You can also make deposits, request your account balance, make a transfer from savings to checking or checking to savings. You can also make purchases with any merchant accepting MasterCard.

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Does it cost every time I make a transaction?

No. Inquires and credit transactions are free at HSB machines. There is a $1.00 fee at a foreign terminal to withdraw or transfer.

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Is there a monthly charge for my ATM card?

No.

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Is there a charge when I use my card for purchases?

No.

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