Debit Cards FAQ

Whether it’s your first card or a replacement, any Great Southern Banking Center can print a card for you with Instant Issue, or you can call us at 800-749-7113 and order one over the phone.

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 per day in point-of-sale (POS) transactions and $505 for ATM withdrawals. To increase your daily limit(s), please call 800-749-7113.

Please visit any Great Southern Banking Center to obtain a new debit card.

It’s not a perfect world. If your debit card gets lost or stolen, please contact us as soon as possible at 800-749-7113, and we’ll take immediate action to secure your account.

Fraud Watch, 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 at 800-749-7113 before you leave.

Contactless cards are similar to digital wallets. The transaction is completed by holding or tapping the card on a contactless-enable card reader. The technology can also be known as "tap to pay" or "tap and go." It's significantly faster than swiping, inserting, or using cash. Plus, it can keep your hands off the card reader.

To check whether your Great Southern Bank debit card is contactless, look for the contactless symbol on the front of your card next to the chip. The contactless symbol is four vertical, curved lines that get bigger from left to right - like the Wi-Fi symbol turned on its side.

Each time a contactless card is used at a contactless-enabled terminal, a unique transaction code is generated that cannot be replicated, making it more difficult for criminals to fraudulently duplicate the card. By tapping to pay, you also minimize the risk of skimming.

While contactless 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.

Once you know how to use contactless debit cards, it just takes a few seconds to complete your transaction!

• Look for the contactless symbol on the payment terminal. The four curved lines that appear on your debit card should also appear on contactless-enabled card readers.
• When prompted, tap or hold your debit card one to two inches away from the front of the terminal.
• If your purchase is approved, you'll receive confirmation from the reader - typically a beep, green light or check mark.

If a merchant is not contactless-enabled, you may still insert the chip or swipe the magnetic stripe to complete your transaction. You now have more ways to pay than ever before!

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, you will be contacted via email followed by a text message and a phone call shortly thereafter. Your prompt response to any of these notifications helps ensure that you don't experience a service disruption with your debit card. If the transaction in question was you, reply yes and you can continue using your debit card. If it was not you, reply no and you'll need to speak with a Fraud Prevention specialist. If you do not respond, your card may be deactivated until we hear from you.

Please note that phone calls and texts will only occur between 8 a.m. - 9 p.m. based on your area code.

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.

No. All Great Southern debit card users will automatically be enrolled in Fraud Watch notifications.

Customers with a mobile phone number and email on file will receive an email, a text, and a phone call. You can respond to any of the notifications. Note, if you respond to the email or text, a phone call will not be generated.

No. Fraud Watch notifications can be received via an email, text message or a phone call.

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 800-749-7113 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.

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 800-749-7113.

No. Fraud Watch notifications and verifications are provided by email, text message or automated phone call.  

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 800-749-7113 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 800-749-7113
• Emails: Contact our Debit Card Services Department at 800-749-7113