Use your debit card like a check wherever Visa is accepted or to get cash at an ATM. Your purchases are automatically deducted from your checking account and most transactions show immediately in your Northern State Online history. Using your NSB debit card is safer than carrying cash and faster than writing a check.
Debit cards are available to qualified applicants only. Contact your local NSB office for an application.
There is no charge for a transaction or inquiry at an ATM we own.
Debit Card Management
Travel Notices
If you are taking a trip to somewhere you don't normally travel, be sure to put a travel notice on your card(s) so your service is not interrupted.
In your online banking or mobile app, navigate to Settings, then Travel Notices, then + Add Travel Notice. You can also notify us by calling 715-682-2772.
Travel Notices do not raise your card limits. Call us at 715-682-2772 if you need your card limit(s) increased before you travel.
Transactions by companies and websites already flagged by our Fraud Center as unsafe will still be blocked, creating a Fraud Alert that inactivates your card until you contact our Fraud Center.
Fraudulent/Suspicious Activity
Our Fraud Center monitors your debit and ATM card transactions for potentially fraudulent activity. If there is suspected fraud or unusual activity patterns our Fraud Center will inactivate your card and notify you by these methods: first attempt will be by text message, second attempt by email, third attempt by home phone voice call; if no response a cell voice call will be attempted in 8 hours.
Your card will be inactivated until you respond to the Fraud Center.
For lost or stolen cards, or if you detect fraudulent activity, call us at 715-682-2772.
After hours call 888-297-3416.
Our Fraud Center will NEVER send you a text or email instructing you to login to your online banking to 'cancel a debit card transaction'. These are phishing texts/emails and should be blocked and deleted.
ATM Cards
An NSB ATM card provides quick access to cash 24 hours a day. Transfer funds between your checking and savings accounts or obtain balance information.
There may be a charge for each transaction or inquiry at an ATM that does not belong to us.