Smooth Spending While You Travel

PWSB’s fraud technology ensures a high level of safety and security while you travel. With debit card fraud on the rise, our monitoring process and spend limits can help protect your account and reduce your risk.

Traveling out of state?...Know your PIN!

Be prepared to enter your PIN when you first use your card outside of Wisconsin. When using your PIN, you are establishing your location which can prevent your debit card from being flagged for possible fraudulent activity. In the case that we need to contact you regarding any questionable charges, it’s very important that we have your correct phone number on file, so consider calling us at 262-284-4416 to confirm your phone number is correct before you leave.

Know your card limits and plan accordingly.

You may access your checking or savings account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

  • You may make no more than ten transactions per day
  • You may not exceed $1,500.00 in transactions per day (personal account)
  • You may not exceed $2,500.00 in transactions per day (business account)

You may access your account(s) by ATM using your Visa® debit card and personal identification number (PIN), to get cash withdrawals from checking account(s).

  • You may make no more than five withdrawals per day
  • You may withdraw no more than $500.00 per day

Some of these services may not be available at all terminals. For any questions on card usage or limits, reach out to your personal banker.

Note our Fraud 800 Number.

Call 1-800-472-3272 if your debit card is lost or stolen between the hours of 9:00 AM – 5:00 PM Central Standard Time (CST) Monday-Friday and 9:00 AM – 12:00 PM Saturday.

Have a backup payment method.

Make sure that you have at least two ways to pay, a card and cash, for example. Store your different payment methods in separate places, in case one is lost or stolen. PWSB can order foreign currency for you. Simply tell us know how much you need ordered, and where you’re headed, and we can get it within 3-5 business days.

Keep your card safe by using your digital wallet.

Loading a card into the digital wallet on your smart phone is not only convenient but it also provides protection by providing a unique number (that is not your debit card number) to pay. This means your card number is never exposed to merchants, keeping your transactions safe. PWSB debit cards can be added to a digital wallet, such as Apple Pay® or Google Pay™, and every day, more and more merchants accept this type of payment. Click here to visit our Digital Wallet page for more info. Note, message and data rates from your carrier may apply.

Monitor your account with the PWSB Mobile App.

You can monitor your transactions on the go, and even set alerts any time your debit card is used. If you see a transaction that is not yours, or if you lose your wallet between the pool and the hotel, you can lock your card right away to prevent it from being used. PWSB also offers an app called CardValet® that offers these same alerts and limits, plus the ability to limit spending around a radius of your smartphone. You can find more information on the PWSB Mobile App here, and the CardValet app here.

Save on ATM fees when you travel domestically.

Did you know you can avoid ATM fees by using an ATM in our Moneypass network?  For a list of 32,000 additional no-fee ATMs available, visit the Money Pass ATM locator here.

Let us know if you’re leaving the country. 

PWSB debit cards can be used anywhere in the United States; however, for your security, there is a block on all foreign transactions. Simply call us at 262-284-4416; we’ll unblock the countries where you’ll be traveling. To begin this process, go to our contact us form

You should also know Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA. Consider comparing this rate to the rates from other credit cards or debit cards you may have and use the one with the lowest transaction fee. Consider carrying cash to further save on fees.  

AUTOpay those bills before you go!

Don’t forget to make sure your monthly payments are set up automatically so you don’t have to worry about your loans or bills while you’re away. It’s always good to have the PWSB Mobile App as well, so you can move money between your accounts if necessary.  Watch this quick tutorial for more info.

Activate UChoose Rewards.

PWSB offers rewards on all debit card purchases through UChoose Rewards®. The points you earn can be used toward travel, and then earned while you use your debit card during travel, a double bonus! For more details visit our uChoose Rewards page.  
 

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