How long will it take for my card to come in?

Cards are typically ordered on Friday afternoons, if there are enough cards to justify placing an order sooner one will take place on Wednesday afternoons as well, and usually take anywhere from 10 to 14 business days for you to receive them by mail. Cards come in VERY PLAIN envelopes, be sure you do not throw it away mistaking it for “junk mail.”

Need your card immediately? No worries! We also offer Instant Issue Debit Cards at any of our 4 locations. (Instant Issue cards are fee-based.)

I received my card, but have not received my PIN. What should I do?

If your card is a replacement card, meaning the number did not change, the PIN has stayed the same. You can simply activate the replacement card by attempting a PIN based transaction, enter your existing PIN and your card should activate.

If your card is a new card, with a new number, you can call or stop by any GTSB location to have a PIN set up and have your card activated. If you choose to create your own PIN, you can request EZ PIN instructions with a reference number to be printed. EZ PIN creation is fully automated and takes about 2 minutes. Or you can create your PIN immediately at any location on the VIVO PIN pad.

What should I do if I forget my PIN?

You are the only one who has access to your PIN. If you are unable to remember your PIN, a replacement can be ordered. You can request new EZ PIN instructions with a new reference number or you can create your PIN immediately at any location on the VIVO PIN pad.

Can I choose my own PIN?

Yes. Once you receive your card in the mail, visit the GTSB location closest to you and they will provide you with an EZ PIN reference number assigned to your card so you will be able to create your PIN, or you can create your PIN immediately at any location on the VIVO PIN pad.

Should I keep my PIN number written down in my purse/wallet, just in case I’m at an ATM and can’t remember it?

No. Never keep your PIN in the same vicinity as your card. This makes it too easy for a criminal to use your card if they have it. Even if you think it is disguised well as a phone number of address, a clever thief knows what to try.

Can I have two cards with the same PIN, one for me & one for my husband/wife?

Yes, however, you must each have separate cards in your own names with your own number.

Can I have a SHAZAMChek® card in the name of a business?

Yes. We now offer both business and personal SHAZAMChek® cards. When inquiring about a business debit card, please be sure to specify that the card will be in the name of a business as the application differs from the personal application.

Can I have a SHAZAMChek® card without having a checking account, just a savings account?

No. In order to have a SHAZAMChek® card, it must be linked to a checking account. The SHAZAMChek® card can be linked to a savings account as a second account, but not by itself.

Can I add my SHAZAMChek® card to a digital wallet?

Yes! GTSB Debit Cards can be added to Apple Pay, Google Pay, Garmin Pay, and Fitbit Pay digital wallets.

When using my card at a merchant location, should I select “Debit” or “Credit”?

Either will work, but we suggest selecting “Credit”. By selecting “Credit”, the clerk will have you sign a receipt rather than you entering your PIN. This will lower the risk of other customers or the clerk watching you enter your PIN. If you select “Debit”, you have to enter your PIN. This increases the risk of someone else finding out your PIN.

What do I do if my card is lost or stolen?

Contact SHAZAM® or the bank as soon as you realize that it is missing!! By doing this, your card can be “Hot Carded” immediately and any unauthorized transactions can be stopped. SHAZAM® (800) 383-8000  If you are a Shazam Brella user and know your card is secure but simply misplaced somewhere in your home, car, etc. you may also use the Card Management feature to place a temporary block on your card.  This can be done through the Shazam Brella app or GTSB Mobile.  Once your card has been located, you can then simply unblock your card and continue normal usage.

What are Shazam Brella and Shazam Brella Transaction Control?

As a benefit to our customers, GTSB subscribes to Shazam Brella. Shazam Brella is a FREE card monitoring, fraud detection system. Once enrolled, you van view balance information for the enrolled debit card’s primary account, receive transaction alerts, receive suspicious transaction alerts, and block future transactions with the Transaction Control system. Notifications are sent 24/7; therefore, no matter where you are or what you’re doing you can take action. Shazam Brella is accessible through both a PC and the Shazam Brella mobile app.

Enroll today for added security and peace of mind!

An ATM “ate” my card, how do I get it back?

Depending on the type of ATM that ate your card, we may not be able to get it back. Some ATM locations are required to destroy the card as soon as they are captured. Some places will charge a fee and send the destroyed card to GTSB. This fee is in turn passed on to you. A way to avoid a captured card situation is to be quick with removing your SHAZAMChek® card from the ATM. An ATM may also capture your card if your card is damaged.

When I received my monthly statement, I noticed that I was charged twice for the same purchase or withdrawal, what should I do?

First contact the merchant and try to get a refund from them.

I recently got married, but my card doesn’t expire for a while, can I get a new card with my correct name on it?

Yes. All you need to do is notify someone at any of our facilities of the name change and a replacement card (with the same PIN) will be ordered for you and mailed at no charge. You can pay the Instant Issue fee and receive one immediately. The signature card on your account must be updated with the name change as well before a name change can take place on your debit card.

My card has been denied at several POS (Point of Sale) locations but worked fine at others on the same day. I know there is enough money in my account and I have yet to reach my daily limit. What is the problem?

On many occasions, the merchant will give you a reason for a denial. However, some do not. In most call-in and internet purchase cases, this type of problem is caused by an incorrect address in one of your card files. This problem could be with SHAZAM® or with GTSB. Either way, it is easily corrected. Just contact us and we will be sure that not only we have the correct address on file for you, but that SHAZAM® does as well. This may seem to be an inconvenience to you but is actually a very good security measure.

In some cases, the denials may have nothing to do with your account or card information. Not all merchants are online with the SHAZAM® network; this makes doing a Debit transaction impossible because of the way Debit payments are routed. Try having the merchant run the transaction through as a Credit. The payment will come off of your account the same, but it is routed through Mastercard rather than SHAZAM®.

Does my card have withdrawal limits?

Yes. Unless requested by the customer, the default limits for SHAZAMChek® cards are as follows:

$500.00 – Daily Limit – All PIN & Signature based – The daily limit is the maximum dollar amount the cardholder can spend in one calendar day. This limit is reset at midnight each day.

$500.00 – Unmanned Limit – PIN based only – The unmanned limit applies only to transactions the cardholder initiates at an ATM

$1000.00 – 3-day limit (any 72-hr. period) – PIN based only – the 3-day limit applies to PIN based transactions initiated at ATMs and POS terminals.

Upon your request, your limits can be set higher or lower for certain periods of time. (Vacations, all day shopping trips, large dollar purchase, etc.)

NOTE: If you have more than one card attached to one account, the limits are card limits, not account limits. Each card will have access to the full $500.00

A request can be made to increase your daily limit; however certain limitations apply. For more information contact any of our facilities.

I made a deposit yesterday, but when I went to the ATM last night, my deposit was not included in my balance. How long will it take for the ATM balance to include my deposit?

GTSB is 100% “Real Time” Processing. All over the counter, mobile banking, online banking, debit card, and ATM activity is posted within seconds of happening.

Direct Deposits, direct debits, and any checks that are clearing from non-local payees for that day will be posted as they are received by the bank. If your deposit is not reflected in your total, please contact our data processing department.

How can I avoid paying foreign ATM fees and surcharges?

The only way to avoid paying a foreign ATM fee is to use an ATM affiliated with GTSB. You can find these at any of our four facilities as well as at our 4th & Walnut kiosk in Breese and our Albers Kiosk located along Route 161.

There are two ways to avoid surcharges. You can either use an ATM affiliated with GTSB or you can use a “Privileged Status™” machine. The participating ATM’s will be marked with a “Privileged Status™” sticker. For a full list of participating ATMs and their locations, visit SHAZAM.net. using a “Privileged Status™” machine will allow you to avoid the surcharge only, not the foreign ATM fee.

My Debit Card expires in a month, how do I get a new one?

A report is generated 2 months in advance for all cards expiring in the following 2 months. We make address and name changes, when necessary, delete closed cards and cards with no activity, and send the corrected report to SHAZAM®. From this report, SHAZAM® automatically sends you a new card at no cost to you about 6 weeks prior to the expiration. If your card expiration date is 08/25, your card is good until 08/31/2025. You should receive your new card in the mail sometime in the middle of July.

We are taking a European vacation; can I use my SHAZAMChek® card overseas?

Yes. The SHAZAMChek® card works in other countries just as it does in the United States. The only differences are the fees and the currency exchange. You will be charged the foreign ATM fee of $4.00 as well as a surcharge. When making a purchase or withdrawal I another country, in their currency, the amount that shows up on your statement will be converted into dollars. You will receive whatever the current exchange rate is for the currency on the day of the purchase. (Ex. $20.00 may show on your statement as $14.82 for Europe or $2.16 for Mexico, etc.) Historically, Mastercard has one of the best currency exchange rates.
You should also notify GTSB anytime you are traveling (domestically or internationally) so that a travel request can be placed on your card to avoid any blocked transactions.

Is it a good idea to use my card to reserve hotel rooms and rental cars?

No. When reserving a hotel room or rental car with your SHAZAMChek® card, you will have outstanding authorizations on your card. These outstanding authorizations will go against your daily withdrawal limit and will continue until the room/rental car payment is posted. (Ex. Hotel room for the weekend is $200.00, rental car for the weekend is $100.00, your daily withdrawal limit until your reserved room and car is paid is $200.00. The amount of time you have the lower withdrawal limit depends on how far in advance you reserved the room and car.) The best thing you can do is reserve the room and car with a credit card and when you are there to pay for them, use your SHAZAMChek® card.

Is it a good idea to use my card to “Pay at the Pump” for gas purchases?

Yes. You can use your card at Pay at the Pump stations. However, please be aware of the fact that many gas stations will “pre-authorize” for a set amount prior to approving your purchase. Some stations pre-approve for $1.00; some may pre-approve for as much as $100.00. If you are at a gas station that pre-approves for $100.00 and you only have $80.00 in your account, your Pay at the Pump service will be denied, even if you only intend on pumping $50.00 in gas. Please note that you are still able to pump your $50 in gas; however, you will need to pay inside. In addition, when making “Pay at the Pump” purchases, the pre-authorization amount will be held against your account balancing, in addition to your actual purchase amount, until the Service Station settles its daily transactions. At which time the pre-authorization drops off and the actual charge is deducted from your account. Note: Some stations settle immediately, some at shift changes, while others may only settle 1 time per day.

A way to avoid the pre-authorization is to select “Credit” instead of “Debit” by selecting “Credit” the pump will request your zip code for authorization and the pre-approval amount is typically $1.00.

Can I use my SHAZAMChek® card at any ATM?

No. You can only use your SHAZAMChek® card at machines that the SHAZAM® or CIRRUS® symbol. For a list of all CIRRUS ATMs in a particular location, visit Mastercard.com or call (800) 4-CIRRUS. For SHAZAM® and Privileged Status™ locations visit SHAZAM.net.

Where can I use my SHAZAMChek® card?

You can use your card at any SHAZAM® or CIRRUS® ATM and at most merchants that accept MasterCard.

Is there a fee for using my SHAZAMChek® card at a merchant location rather than writing out a check?

No. There is no transaction cost involved when using the card at a MasterCard location.

How will the transactions appear on my checking account statement?

Each transaction made by your SHAZAMChek® card will have a description entry on your checking account statement. Your statement will have the date the item was posted, the name of the merchant, location of the merchant, and the amount of the transaction. This can easily be matched with the receipt you will receive for each transaction.

When shopping online, I received a notification for MasterCard® SecureCode …What is it?

Due to mandatory MasterCard® security enhancements, your GTSB SHAZAMChek® card has been pre-enrolled for MasterCard® SecureCode. This is a complimentary, new online security service to add protection against unauthorized use of your card online. The next time you shop online at a participating merchant, a window will appear from SHAZAM® asking you to confirm your identity and create a private SecureCode, all to better protect you from unauthorized use of your card.

My Debit Card was “Hot-Carded”, do I need to specify to the teller that I want a new card ordered?

Yes. If you contact SHAZAM to have your card “Hot-Carded” you must contact GTSB for a new card, as one will not automatically be ordered for you. If you contact GTSB to have your card “Hot-Carded”, be sure to mention to the teller taking your request that you would like a new card as well. In addition, if SHAZAM contacts you concerning potentially fraudulent activity on your card and your card is in turn “Hot-Carded”, you are responsible for contacting GTSB to order a new card. SHAZAM will not automatically do this for you.