WHAT SHOULD I DO IF MY ATM CARD OR DEBIT CARD IS LOST OR STOLEN? 
Please contact us that your card is missing, lost, stolen or if you notice unauthorized transactions. If you contact us immediately, you will minimize your losses and may not be responsible for unauthorized transactions if reported promptly. Please report lost, found or stolen cards immediately to 1-800-523-4175. 
 
STAR ATM CARD 
Use your ATM card to make deposits, 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 ATMs across the country and around the world.  ATM cards are free to all personal accounts at First State Bank, Yoakum. To request your ATM card on your checking account, please call (361)293-3572 in Yoakum or (361)596-4616 in Moulton. For long distance calls please contact us  toll free at (800)947-8382. 
ATM Locations: 
Drive up ATM- 406 W. Grand Ave., Yoakum, TX  77995 
Drive up ATM- 208 Lott St. Yoakum, TX  77995 (across from HEB) 
Drive up ATM- 201 N. Lavaca, Moulton, TX  77975 
 
Star Debit Mastercard® 
Purchases are fast and easy with a Debit MasterCard® from First State Bank, Yoakum or their branch office, Community Bank of Moulton.  With your debit card, purchases are automatically deducted from your checking account.  Your debit card is accepted at millions of locations worldwide wherever the MasterCard logo is displayed.  With your Debit MasterCard you are also able to get cash at thousands of ATM locations. 
 
FAQS ABOUT YOUR DEBIT MASTERCARD® 
How can I order a debit card? 
You must be at least 18 years of age to qualify for your debit card and your account must be in good standing. 
You may order your card for your personal checking account with us by calling 1-800-947-8382 and asking for one of our account representatives.   
 
What is my daily dollar limit on my debit card? 
When your card is issued, your maximum daily limit on your card is $500.00. 
 
 
Can I replace my ATM card with a Debit MasterCard? 
Yes. We can replace your ATM card with a debit card at no charge by calling 1-800-947-8382.  In order to upgrade to a Debit Mastercard®, your account must be in good standing. 
 
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 transactional 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 an ATM other than First State 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 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. As with a check, you could put a stop payment on the check at the bank if a problem existed between the retailer and your purchase. If the merchant refuses to give you a refund, you may dispute the transaction and fill out the appropriate forms at our bank.  We will in turn give you preliminary credit until we receive notice that the dispute was resolved or denied. If the credit is denied, any provisional credit given by First State Bank may be reversed. 
 
ATM AND DEBIT CARD SECURITY 
 
IMPORTANT:  TREAT YOUR CARD LIKE CASH. Always have it in a SAFE place. 

  • Keep your PIN a secret. Memorize your PIN and never write it on your card or store it with your card. Never let anyone else enter your PIN for you, even if they are assisting you with the transaction.  Always keep your PIN a secret.
  • DO NOT disclose information about your card over the telephone.  No company or individual needs to know your PIN.
  • NEVER disclose information about your card in response to an unsolicited e-mail or request.  E-mail is a common channel for FRAUD.
  • Make sure your Internet shopping sites are secure. Look for secure transaction symbols when shopping on-line to ensure your account information is protected.  Always log off any site after you make the purchase.
  • Protect your cards magnetic strip.  Do not expose your cards magnetic stripe to magnetic objects as these can damage your card.
  • REPORT A LOST OR STOLEN CARD AT ONCE.  Immediately call your financial institution if your card is lost or stolen to reduce the chance of unauthorized transactions.  Immediate notice of lost or stolen cards will also limit your potential liability for unauthorized transactions.
  • REVIEW YOUR ACCOUNT STATEMENTS OR MONITOR YOUR ACCOUNT ON-LINE.  Review all account statements and report any errors (including transactions your believe may be unauthorized.) as soon as possible.  Prompt notification will limit your potential liability for unauthorized transactions.
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    ATM / DEBIT CARD SAFETY 

  • ALWAYS observe the ATM surroundings before conducting a transaction.  If anyone or anything appears to be suspicious, leave the area at once.  If you drive up to an ATM, park as close as possible to the terminal.  Observe the entire area from the safety of your car before getting out.
  • Always leave enough room between the vehicles to allow for a quick exit should it become necessary.
  • If an ATM is obstructed form your view or poorly lit, go to another ATM.  If possible, report the problem to the ATM operator or your own financial institution.
  • It is a good idea to take another person with you when using an ATM, especially at night.
  • Minimize the time spent at the ATM when conducting a transaction.  Have your card out and ready to use.  Do not allow a stranger to assist you in making a transaction, even if you have trouble or your card gets stuck.  When your transaction is complete, put your card, money and receipt away and immediately leave the area.  Never count your money while at the ATM.
  • Block the view of others when using the ATM or a PIN debit terminal. Stand between the ATM and anyone waiting to use the terminal.  Shield the keypad as necessary when entering your PIN and transaction amount.
  • When you using an outdoor terminal such as at a gas station, always observe your surroundings before making a transaction.
  • If you see anyone or anything suspicious, cancel your transaction and leave the area at once.  If anyone follows you, go immediately to a crowded, well-lit area and call the police.
  • Look for possible fraudulent devices attached to the ATM.  If the ATM appears to have any attachment or alterations to the card slot or keypad, do not use the ATM.  If possible, report the problem to the ATM operator or your bank.
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