ATM/Debit Card

To Report a Lost/Stolen ATM/Debit card, immediately call: (800) 523-4175. 

Instant Issue Debit Cards 

Enjoy the benefits of receiving a debit card the same day you open your account or replace a lost or stolen debit card with one visit to your nearest banking center location!

Debit Mastercard® 

With your debit card, purchases are automatically deducted from your checking account. Your debit card is accepted at millions of locations world wide wherever the MasterCard logo is displayed. With your Debit MasterCard you are also able to get cash at thousands of ATM locations. 

Business Debit MasterCard® 

A business debit card provides a fast, convenient way to simplify making your business purchases. By using this special debit/ATM card you can: 

  • Track business expenses from your monthly statement
  • Avoid writing checks for items like supplies or gas
  • Withdraw funds fast

ATM Card 

Use your ATM card to make withdrawals, transfers or balance inquiries, 24 hours a day, at any of our three convenient, easy to use ATM locations. Use your card to make withdrawals and/or balance inquiries at thousands of ATM's across the country and around the world.

ATM Locations 

Click Here for ATM locations 

FAQS about your Debit MasterCard® 

How can I order a debit card?

You must be at least 16 years of age to qualify for a debit card and your account must be in good standing. You may stop by one of our banking centers to pick one up.

What is my daily dollar limit on my debit card?

When your card is issued, your maximum daily limit on your card is $1,000.00 

Can I replace my ATM card with a Debit MasterCard?
Yes. We can replace your ATM card with a debit card at no charge providing that your account is in good standing. Stop by and visit one of account representatives. 

How is a debit card different from my ATM card?

An ATM card is pin-based which means you are required to use your PIN number for transactions on the merchant’s keypad at the time of your purchase. Your debit card is pin-based and signature-based. Signature based transactions are usually where your card is swiped through the terminal and you must sign a transaction receipt. Your options are different depending on the retailer. Signature based transactions are most common at restaurants and department stores. If you select “credit”, you will sign a receipt to authorize your purchase. If you select Debit or ATM, you will need to use your PIN. Remember, if your debit card is stolen, they do not need to have the pin number in order to make purchases on your card.

Does our bank charge a transaction fee?

We do not charge a fee for point of sale purchases. However, you may encounter a fee if you use your card to get cash at an ATM other than Crossroads Bank owned locations. 

What are some reasons why my card may exceed its daily limit without actually exceeding it?

On occasion, it may take several days for the actual purchase to replace the pending transaction. The pending transaction will reduce your available balance. An example is at a hotel. The hotel amount may cost you $500 for a 3-night stay. The hotel will get a pre-authorization for the amount and possibly more for incidentals and block the availability of this amount until your check out date. If you have a $500 limit, the hotels limit amount of $500 will carry over everyday until you check out and sends over the actual purchase amount to process. This can also be the same case scenario for cruise lines and car rental companies.

How does a pay-at-the-gas-pump transaction work?

When you swipe your card at the pump, the station request an authorization to confirm that your account is open and active. Authorization amounts are usually set at $1.00. Sometimes, these limits may be set as much at $50 or higher when gas prices are high.

What if I don’t agree with a transaction or want to “stop” payment on a purchase with my card?

A purchase on your debit card cannot be stopped once the retailer has received authorization approval. However, if you have a return most merchants will give you credit as a POS reversal. If the merchant refuses to give you a refund, you may dispute the transaction and fill out the appropriate forms at any of our banking centers. We will in turn give you provisional credit until we receive notice that the dispute was resolved or denied. If the credit is denied, any provisional credit given may be reversed.

What should I do if I have unauthorized transactions on my account?

Please contact us immediately if you notice unauthorized transactions on your account at 800-523-4175 or visit one of our banking center locations.

Debit Card Restrictions

To keep your account information safe, we restrict card transactions in certain locations where there has been an increase in fraud. If you have any questions or planning to travel out of the state or to other foreign countries, please contact one of our locations and we may be able to temporarily  help you with your transactions needed. Thank you for understanding for these restrictions are for your debit card protection.


Daily Dollar Limit- $1,000.00 Overall limit ($500 of which may be withdrawn at the ATM)

*Note limits reset at 2:00 p.m. CST each day on most transactions. Please be aware that most hotels/car rental will “hold” the money on the card until checkout or car return which may result in the merchant holding the amount charged on your card for multiple days.


There are restrictions at the ATM terminals in the Houston area related to fraud. Please contact our offices if you plan to be in the Houston area to release restrictions if necessary.


All transactions over $50.00 must be PIN (debit) transactions. If you are at a merchant that does offer you  Pin(debit) options or terminal is signature- based only,  your transaction may be declined. Please contact one of our account representatives and we may be able to temporarily remove the restriction.


If you are planning a trip overseas, Mexico or Canada, please contact one of our account representatives to ensure uninterrupted use of your debit card while traveling.  Most in-person foreign transactions will be required to be processed as an EMV (chip) transactions.


Wal-Mart transactions are blocked (declined) with signature-based transactions over $50.00. Please always use PIN (debit) for transactions at Wal-Mart.



USA                                                                                                                                                      NO RESTRICTIONS

INTERNATIONAL INTERNET AND PHONE PURCHASES                                                        Blocked -  NOT AVAILABLE  

Note: Please be aware or familiar with the merchant you are conducting transactions with in-person or on-line. At times, certain merchants may be flagged due to higher fraud risk and your transaction may be declined.

Note: When traveling away from home, please always have multiple means of payment in case communication lines may not be in operation or the possibility of fraudulent transactions on your debit card which may result in the cancellation of your card.

** These restrictions are subject to change without notice.


Yoakum 361-293-3572- Moulton 361-596-4616-Victoria 361-703-5103