Border State Bank Mastercard® Debit Card

The Border State Bank Mastercard® Debit Card offers a more convenient way for you to make your purchases. Your Mastercard® Debit Card is accepted globally for hassle free purchases. Plus, a Border State Bank Mastercard® Debit Card can be used at ATM's providing the cash you need. Best of all, there's no annual fee!

Here are just some of the benefits:

  • It can be used at thousands of ATM's worldwide for convenient access to cash and NO FEE ATM* transactions through the STAR Surcharge Free Network, which includesMoneyPass.
  • Use it instead of checks for purchases.
  • It's cash, not credit. Funds are withdrawn from your checking account.
  • No more running out of checks, forgetting your checkbook or needing multiple forms of ID.

* May be assessed a fee when using foreign ATM's. * Only applies to ATM's that are members of the STARsf network, which includes MoneyPass. Non-member ATM's may still charge a fee.

Lost or Stolen ATM/Debit Card

If your debit card is lost or stolen, please report it immediately to your local Border State Bank branch or customer service at 218-528-4255. To report a lost or stolen card after hours, call 800-535-8440 and also report it to Border State Bank.

To activate your card, change your PIN, or forgot your PIN, call 866-985-2273.

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Debit Card FAQ’s

My new debit card is MasterCard. Is there a difference between MasterCard and Visa?

What is a Chip Card?

  • A chip card (also called EMV card) has a chip embedded on the card front and a traditional magnetic stripe on the back.
  • The chip provides greater global acceptance as well as added security when used at a terminal (or ATM) that is chip enabled.

What does EMV stand for?

  • EMV stands for EuroPay, MasterCard, Visa. These are the three companies that originally created the EMV (chip) standard.

Why is my current card being replaced with a chip card?

  • A chip card is more secure. When using a chip enabled terminal, cards with chip technology are very difficult to counterfeit or copy.
  • EMV is the universal standard across the globe for processing card payments using computer chips. EMV reduces the risk of fraud through adoption of this high security technology.

What information is stored in the chip?

  • The chip contains information used to process your transaction in an encrypted format. No personal information or location tracking is stored in the chip.

How do you use the chip card?

When using a terminal-- Point of Sale (POS) or ATM -- that is chip enabled:

  • With the chip facing up, insert the card, chip side first into the terminal where indicated. This is typically at the bottom of the merchant’s POS machine.
  • Follow the prompts on the terminal screen. Enter your PIN if necessary.
  • Leave the card in the terminal until you hear the beep or see a message instructing you to remove your card. Don’t leave your card behind.

Do I have to use a chip enabled machine? What if the merchant (or ATM) doesn’t have a chip terminal?

  • When using a chip enabled terminal, you will likely be required to use the chip reader. For your own protection and security, it is recommended to use a chip terminal whenever available.
  • If the terminal or ATM is not chip enabled, you can use the magnetic stripe on the card and swipe the card for the transaction.

Will I be asked to enter a PIN?

  • You can either choose the option to sign for the transaction, or you can use the PIN number you selected when activating your card. Both options will work to authorize your debit card transaction.

Will I be able to use the Chip Card for online or telephone payments?

  • Yes, the chip card will work the same as a standard (non –EMV) card for telephone or online (computer) transactions.

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Instant Cash Card 

The Instant Cash Card is an automated teller machine (ATM) card. ATMs are everywhere and give you a fast and convenient way to get cash in town, across the country and around the world. They also offer access to cash 24 hours a day, 365 days a year.


Elan Credit Cards

At Border State Bank, our industry leading consumer credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. 

Choosing the right credit card is easier than ever. No matter which card you choose, you’ll enjoy important features like: 

  • EMV smart chip technology for added security. 
  • Mobile purchasing capability for added convenience. 
  • Plus much more! 


Save with a longer intro rate.
VISA Platinum Card
Save on interest with an extended introductory rate and pay down other credit card balances faster. MORE

Earn valuable rewards.

VISA/MasterCard® Bonus Rewards Card

Watch your rewards add up fast with1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get $25 cash back (1) after your first purchase. MORE

VISA/MasterCard® Bonus RewardsPLUS Card

Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month. Plus get $50 cash back (1) after your first purchase, all with a low annual fee. MORE


Cash Rewards American Express® Card 

Earn cash back (1) every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash backafter your first purchase. MORE

Travel Rewards American Express
® Card 

Earn great rewards faster with 3X reward earnings on airline net purchases and 2X reward earnings on restaurant and hotel net purchases and 1X reward earnings on all other eligible net purchases, plus get $75 cash backafter your first purchase – all with a low annual fee.  MORE

Choose the best Rewards Card for you!

VISA/MasterCard® Secured Card 

Start building (or rebuilding) your credit history, even if you’ve been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee.  MORE


For more information regarding Debit or Credit Cards, please contact one of our Personal Bankers.

1 - Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. 

2 - Late payments and going over the credit limit may damage your credit history. 

The creditor and issuer of these Cards isElan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.,MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.