Debit Cards

Debit Card collage with the phrase 'Those other cards are just jealous' on it.

Your Great Southern Chip Debit Card comes packed with a lot more power than simply getting cash at an ATM or dropping by the market to pick up a few breakfast ideas:

  • Fraud Watch alerts to your phone and email as soon as we notice something sketchy at zero cost to you. 1
  • Chip technology that provides enhanced protection against fraud
  • Online Banking allows you to monitor and track your debit purchases
  • Debit On/Off lets you lock and unlock your card whenever you like
  • In the Mobile Banking App , set up Text Alerts to notify you when a debit occurs
  • Change your PIN when you want at either a Great Southern ATM or banking center
  • Visit a location and walk out the door with a new debit card in your pocket, thanks to Instant Issue cards

If you have more questions, our Debit Card Services Department is here to help you Monday-Friday 6:30 a.m. - 9 p.m. CT and Saturday-Sunday: 8 a.m. - 9 p.m. CT at (855) 853-9400.

1 Data rates may apply. See carrier for details.


Frequently Asked Questions

Fraud Watch is a transaction notification system that automatically alerts customers to potentially fraudulent activity on their Great Southern Debit Card. Potentially fraudulent activity is determined by the type, amount and location of the transaction.

If a debit card transaction appears potentially fraudulent based on the type, amount, and location of the transaction, Great Southern may temporarily deactivate your debit card to protect your account. In addition, Great Southern will request a customer response by a verification text message or automated phone call, based on which contact information we have on file.

Upon receiving the verification text message or phone call, if the transaction is marked as authorized, the debit card will remain active/be reactivated and available for use. If the transaction is marked as unauthorized, the debit card will be deactivated/remain deactivated and will not be available for further use.

Customers with a mobile phone number on file will receive a verification text message, allowing them to respond to the text to indicate the transaction as authorized or unauthorized. Customers without a mobile phone number on file will receive a transaction verification phone call, allowing them to use the keypad on their phone to indicate the transaction as authorized or unauthorized. All customers will receive email notifications, in addition to one of the above contact methods, provided we have an email address on file. Please note it’s strongly recommended that the customer replies on authorized or unauthorized activity by text message or phone call; processing of email replies may be delayed.

Fraud Watch text messages will originate from 473-34.

Automated Fraud Watch phone calls will originate from (877) 504-7703.
No. Fraud Watch notifications and verifications are provided by text message or automated phone call.
No. All Great Southern customers will automatically be enrolled in Fraud Watch notifications.
No. Fraud Watch notifications can be received via a text message or a phone call.
No. Fraud Watch is free service offered to all customers to add additional fraud protection to their account(s). Check with your wireless carrier for fees that may apply.

Unsubscribing from Fraud Watch notification will not remove your Great Southern Debit Card from the Fraud Watch system. Your debit card may still be deactivated if potentially fraudulent activity is detected; however, you will not be notified and will need to contact our Debit Card Services Department at (855) 853-9400 to verify the transaction. To unsubscribe from all Fraud Watch notifications:

  • Text Messages: Reply STOP to the most recent Fraud Watch text message
  • Phone Calls: Contact our Debit Card Services Department at (855) 853-9400
  • Emails: Contact our Debit Card Services Department at (855) 853-9400

Failure to respond may result in deactivation of your debit card to ensure the protection of your account.

Please visit the Banking Center nearest you to begin the dispute process and obtain a replacement debit card. We can print your new debit card in our office and it will be available for use before you leave the office.

If you aren’t nearby a Great Southern Bank location, please contact our Debit Card Services Department at (855) 853-9400 to request a new debit card be mailed to you.

Failure to respond may result in deactivation of your debit card to ensure the protection of your account. If your debit card is deactivated because you failed to respond to the transaction verification, please respond to the text message you received or return the Fraud Watch automated call to mark the transaction as authorized or unauthorized.

Please contact our Debit Card Services Department at (855) 853-9400.

Your debit card works in conjunction with your checking account. Simply pay with your card, and the amount of the purchase is deducted from your checking account.

You are limited to $2,000.00 per day in point of sale (POS) transactions. To increase them, please call (800) 749-7113

Please visit any Great Southern Bank location to obtain a new debit card.

It’s not a perfect world. If your debit card does get lost or stolen, please contact us as soon as possible and we’ll take immediate action to secure your account.

Monday-Friday: 6:30 a.m. - 9 p.m. CT
Saturday-Sunday: 8 a.m. - 9 p.m. CT
(855) 853-9400

After Hours:
(866) 546-8273

Our fraud prevention system flags any unusual activity on your debit card, which could result in your card being declined at out-of-state or foreign merchants. To keep your card secure and accessible while abroad, just give us a call before you leave.

Debit Card Services
(800) 749-7113

Chip cards are debit and credit cards that contain a microchip. This chip technology offers customers an added layer of security, providing enhanced protection against fraud.

Each time a chip card is used at a chip-enabled terminal, a unique transaction code is generated that cannot be replicated; making it more difficult for criminals to fraudulently duplicate the card.

While chip technology will provide additional security and help reduce the risk of fraud, it cannot completely eliminate fraud and card compromises from occurring. It is still important to keep your card number and PIN secure.

There is no need to request a chip debit card. We are issuing chip debit cards to all customers in phases. We will send a communication to the email address on file when your card has been ordered.

You may activate your chip debit card by completing any PIN-based transaction or at a Great Southern ATM. Your current debit card will remain active for 30 days after your chip debit card has been ordered. Please activate and begin using your new chip debit as soon as possible to prevent any issue.

Once your chip debit card has been activated, your old debit card will deactivate automatically. As your debit card number will not change, please dispose of your old debit card securely.

Yes. Your new chip debit card will have the same number and PIN as your non-chip debit card, but the expiration date and 3-digit security code will change.

You can change your PIN at any Great Southern ATM or Great Southern location.

Yes. While your debit card number and PIN will remain the same, please update your expiration date and 3-digit security code information to prevent any issue with future payments.

No. There are no additional fees.

Chip cards do everything the magnetic stripe on your current card does. To make a purchase, insert the chip side of the card into the terminal with the chip facing up. Leave your chip card in the terminal and follow the prompts on the screen. The terminal will prompt you to remove your chip card when the transaction is complete.

In order to authorize the transaction, the chip must maintain contact with the terminal to generate the unique transaction code. If you remove your card too soon, your transaction will be cancelled.

Yes. If a merchant is not chip-enabled, you may swipe the magnetic stripe on the back of your chip card. Please be aware that swiped transactions are not protected by the additional security of chip card technology.

No. Your chip debit card can still be used to make purchases online. There are no additional requirements for these transactions.

Yes. You can still use your chip card to get cash, check your balance and more. If the ATM is chip-enabled, be sure to insert your card with the chip facing up. Your chip card will be held in the ATM and you will be prompted to remove your card when the transaction is complete.

Not all U.S. merchants accept chip cards at this time. In these instances, swipe the magnetic stripe on the back of your chip card.

Also, when traveling outside of the U.S., some unattended terminals require a different PIN technology than you normally use in the U.S. In these situations, find an attended terminal to complete your transaction or use an alternative payment method, such as local currency.