Debit/ATM Card

CheckMate Debit Card - APPLY NOW

• Your purchases are deducted directly from your CLB&T checking acccount.

• You can make purchases anywhere the VISA Debit Cards are accepted.

• You have access to ATMs worldwide that display the Shazam, Plus, and VISA logos.

  CLICK HERE for a list of CLB&T ATMs and an ATM locator.

• You may access up to four checking/money market accounts and four savings accounts with one card.  All purchases made will be deducted from your primary account number. The remaining accounts can only be accessed via an ATM displaying the Shazam logo

• You have 24-hour access to your funds.

ATM/Debit Card Safety Tips

As with all financial transactions, please exercise discretion when using an ATM. For your own safety, be careful. The following suggestions may be helpful:

• Record each transaction in your account record, but not while at the ATM.

• Always save your receipts. Do not leave them at the ATM because they may contain important account information.

• Compare your records with the account statements you receive.

• Do not lend your ATM/debit card to anyone.

• Do not leave your card at the ATM.

• Protect your ATM/debit card as if it were cash.

• Protect the secrecy of your Personal Identification Number (PIN).

  • Do not tell anyone your PIN

  • Do not give anyone information regarding your ATM/debit card or provide your PIN over the telephone. A CLB&T representative would NEVER call and ask you for this information.

  • Do not keep your PIN with your card. For example, do not keep a record of your PIN in your wallet or purse.

• If your ATM/debit card is lost or stolen, notify us immediately. If the Bank is closed, call Shazam 24-hours a day at (800) 383-8000

• When you use an ATM, be mindful of your surroundings.

Tips to Avoiding ATM Surcharges

• Use your bank's ATM as most banks don't charge their own customers a surcharge.

• Use the "cash back" feature available at many grocery stores, convenience stores, and discount stores when making a purchase.

• Withdraw more cash during each ATM visit but visit ATMs less often.

• Use your debit card rather than cash when possible.

An ATM surcharge is an ATM transaction fee that is imposed by the owner of the ATM. The owner of the ATM may be your bank, another bank, and even a non-bank business. An ATM surcharge may be imposed in addition to any transaction fees charged by your bank. Clear Lake Bank & Trust Company does not assess ATM transaction fees or ATM surcharge fees to its customers.

How do I avoid ATM surcharges?

• Use Clear Lake Bank & Trust Company's ATM machines.
  
• Use the “cash back” feature available at many grocery stores, convenience stores, and discount stores when making a purchase.
  
• Withdraw more cash during each ATM visit but visit the ATMs less often.
  
• Use your debit card rather than cash when possible.
  
• Ask for cash back when making a deposit with a teller.
  

How will I know how much an ATM will charge me?

There will be a sign posted on the ATM itself stating if any charge will apply. Once you have inserted your card and entered your PIN, a notice of any charge must appear, giving you the option of canceling the transaction without being accessed a fee.

How do I know which financial institution owns the ATM?

There is a sign posted on the ATM stating the name of the financial institution.

Does Clear Lake Bank & Trust Company charge me for using an ATM machine not owned by Clear Lake Bank & Trust?

No, but the owner of the ATM may charge you.

Will I be charged if I use my card to make a purchase at a merchant and ask for cash back?

Generally, no. However, a small number of businesses have started charging a “cash back” fee.

If I am a CLB&T customer and use another bank's debit, credit or ATM card at a CLB&T ATM, will I be assessed a surcharge fee?

Yes. Only CLB&T ATM and debit cards can be used at a CLB&T ATM without being charged a surcharge fee.

Does CLB&T assess a surcharge for balance inquiries, deposits, or transfers?

No, only cash withdrawals are subject to an ATM surcharge.

Report a Lost/Stolen Card

You should notify Clear Lake Bank & Trust immediately if your card is lost or stolen. If the Bank is closed, call Shazam at (800) 383-8000 to report a lost or stolen card.