Visa® Debit Cards

Frequently Asked Questions

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What is a D.L. Evans Bank Visa® Debit Card?

It's a card that gives you all the benefits of an ATM Card, plus this added bonus: you can use it to make purchases anywhere Visa® is accepted. Just present your D.L. Evans Bank Visa^® Debit Card, enter your PIN or sign the receipt, and the purchase amount will be deducted from your checking account.

How can my D.L. Evans Bank Visa® Debit Card help me handle my banking needs?

Your D.L. Evans Bank Visa^® Debit Card gives you 24-hour banking convenience. Simply use your card to make deposits or withdrawals, check balances, or transfer funds between your attached accounts at D.L. Evans Bank.

Can I use my D.L. Evans Bank Visa® Debit Card for purchases without paying interest charges?

Yes. Since the money for your purchases comes directly from your checking account, there are no interest charges.

How is my D.L. Evans Bank Visa® Debit Card different from a Credit Card?

Your D.L. Evans Bank Visa^® Debit Card is not a Credit Card, so you don't pay finance charges. Each purchase amount is deducted from your checking account and the details are on your monthly checking account statement.

Are there any monthly or annual fees for my D.L. Evans Bank Visa® Debit Card?

No, there are no monthly or annual fees for the D.L. Evans Bank Visa^® Debit Card.

What other benefits will I enjoy?

Your D.L. Evans Bank Visa^® Debit Card can get you out of checkout lines fast because you won't have to wait for check approvals. Every purchase will be listed on your monthly checking account statement, which can simplify your record keeping. You can also create a custom design for your existing D.L. Evans Bank Visa® Debit Card with MyCardCreation®. 

Where can I make purchases?

Your D.L. Evans Bank Visa^® Debit Card can be used to make purchases at millions of places that accept Visa® — including restaurants, department stores, doctors' offices, airlines and hotels, grocery stores, gas stations, and more.

What is a Personal Identification Number (PIN)?

A PIN is the numeric code you enter to enable a transaction at an ATM or point-of-sale terminal. Safeguard your PIN by memorizing it and not disclosing it to anyone. Do not write your PIN number on a piece of paper in your wallet where you carry your card.

When I make a purchase, do I have to give the merchant personal information regarding my PIN or checking account balance?

No. You do not need to divulge any personal banking information such as your PIN or checking account balance, and this information cannot be accessed by merchants.

Is it safe?

Absolutely! Use your D.L. Evans Bank Visa^® Debit Card to pay for purchases and shop with confidence knowing that D.L. Evans Bank protects your account and Visa®'s Zero Liability protection covers you for unauthorized purchases on signature transactions… and carrying your card is much safer than carrying a lot of cash or checks.

How do I keep track of my purchases?

All transactions made with your D.L. Evans Bank Visa^® Debit Card are listed on your monthly checking account statement. Each transaction shows the merchant name, the date of the purchase and the amount spent — so the more you use your card for everyday purchases; the easier it can be to track expenses and manage your budget. Go to our website at www.dlevans.com to monitor your activity with Online Banking or download our Mobile App to track your expenses everywhere you go.

How long does it take for purchases to be posted to my account?

The vast majority of purchases made at retail locations will post to your account within a day or two. Other transactions done for car rentals, hotel reservations, and pay-at-the pump transactions may not post for several days. Use Online or Mobile Banking to monitor your account. It's fast and easy!

What happens when I need to return merchandise?

It's the same as returning merchandise purchased with a Credit Card or check. Be sure to save your receipt in case you need to return an item. Returns are made directly with the merchant. If the return is accepted (Dependent upon each merchant's return policy) the merchant will process a credit to your checking account with the amount of the return.

What do I do if I find an erroneous charge on my account?

Please contact your local D.L. Evans Bank branch for assistance.

Why would I want to do a PIN transaction?

If you find that you need some cash it's easy to get "cash back" when completing a point-of-sale transaction (only at participating merchants). It's quick and easy and you don't need to waste time locating an ATM. At the point-of-sale terminal, just swipe your card, select "Debit" on the terminal screen and enter your 4-digit PIN. You will be prompted for "cash back" options. Select the amount desired and complete the transaction. The merchant will hand you a receipt and the cash back requested. 

Can I get cash back with my purchases?

Yes, this is a convenient way to withdraw cash from your checking account when shopping, with no need to make a special trip to the ATM. Simply inquire if you can get cash back before the cashier calculates your purchase total. Merchants will be happy to honor your request where the service is available. A PIN is required to obtain cash back.

Can I use my D.L. Evans Bank Visa® Debit Card to set up automatic bill payments?

Yes. From internet and phone bills to health club dues and insurance premiums, more and more service providers are offering the convenience of automatic bill payments using your D.L. Evans Bank Visa^® Debit Card. It ensures that your recurring bills are paid on time without the hassles of writing checks every month. And there are no interest charges since your payments are automatically deducted from your checking account. The preauthorized amount can be fixed, like a magazine subscription, or it can fluctuate, like your utility bills — it depends on the terms you set with the service provider. To set up automatic bill payments, simply contact providers that send you bills on a regular basis and ask if they can bill your D.L. Evans Bank Visa^® Debit Card instead. 

What should I do if my D.L. Evans Bank Visa® Debit Card becomes lost or stolen?

Call 1-844-233-5866 during business hours to report a lost or stolen card and after business hours 1-800-472-3272.

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