Personal Debit & ATM Cards- Thumb Bank

Debit & ATM Cards

Thumb Bank & Trust MasterCard® Debit Card can be used just like cash or a check to pay for purchases around the globe and online. The amount of your purchase will be electronically deducted from your checking account. No building up a credit card balance. No worrying about carrying cash. Your card can be used to pay for purchases quickly and conveniently. Get instant cash when you need it by using your debit card to make ATM withdrawals. To apply for an Mastercard® Debit Card please call or stop in any of our six locations or send your request online using the Contact Us link at the bottom of the page. 

Our ATM cards offer you the convenience of being able to withdraw money at any of our Thumb Bank & Trust ATM locations or worldwide at any ATM displaying the Cirrus® or Accel® symbol.

Lost or Stolen Cards

If your Debit or ATM card has been lost or stolen, contact Thumb Bank & Trust at 866-862-3113 or after regular business hours, please call 800-472-3272.

Traveling with your Debit Card

As a precaution there are countries that are blocked for Debit Card use based on monitored fraud patterns. When traveling outside of the United States please notify your local Thumb Bank & Trust branch with the countries you will be visiting and the dates you will be traveling so your card will be available for use. Or use the contact us form to let us know your travel plans.

Fraud Monitoring

In the event there are unusual attempts or transactions on your Debit card, you may receive a call from our fraud prevention department or a bank representative. Your card may be placed on hold for your protection until the transaction(s) can be verified.  This service is designed to call customers whenever there is a question of potentially fraudulent activity on a Thumb Bank & Trust Debit Card. If you miss a call from the fraud prevention system you can reach them at 800-262-2024. If you receive a call and are unsure if it is our fraud prevention department, please call our toll free number during regular business hours.

uChoose Rewards®

Earn points for signature based transactions (just select CREDIT not debit when paying). When you use your Thumb Bank & Trust Debit Card you earn points redeemable for concert tickets, jewelry, electronics, gift cards, and millions of other exciting options! 

Sign Up or Access Your Rewards


You may use your Debit Card or ATM Card at any Thumb Bank & Trust ATM locations or worldwide at any ATM displaying the Cirrus® or Accel® symbols. By inserting your card and your personal identification number you can accomplish any of the following transactions:

  • Withdraw funds in cash from your savings or checking account.
  • Deposit funds in any amount to your savings or checking account. (Thumb Bank & Trust ATM's only).
  • Transfer funds between accounts.

Please use common sense when using your Debit Card or ATM Card - never share your PIN number and beware of ATM Scams.

Read more about Cyber Security & Fraud Prevention and get help in case your card has been lost or stolen.

MasterCard® ABU

The MasterCard® Automatic Billing Updater is an automated solution that helps to ensure uninterrupted service and uninterrupted payments by updating card-on-file information for recurring and nonrecurring payments. MasterCard Automated Billing Updater FAQ's


Create Your Own Style - MyCard by Thumb Bank & Trust

Thumb Bank & Trust MyCards give you two options to customize your debit card and make it your own! You can either use a full image as the background of you card or create an identity card that features a profile picture of you in the corner of your card for ID purposes. Visit any of our six locations to create your card today!

Three Fun & Easy Steps to creating your new MyCard:

  1. Choose a full-image card or an identity photo card.
  2. Create your image card.
  3. Connect your image card to your account.

Click on one of the two card choices below to get started!

Get a full image card  Get an identity image card

MyCard Terms and Conditions

The Thumb Bank & Trust MasterMoney MyCard Debit Card ("Card") is subject to these Terms and Conditions (Terms). Additional general terms and conditions apply to your Card as outlined in your Deposit Account Terms and Conditions. If these Terms conflict in any way with your Deposit Account Terms and Conditions, these Terms control. Please read the FAQs for more information.

By requesting a Card and submitting an image of your choice, you warrant to Thumb Bank & Trust that: (i) you are the owner of the image (i.e. the image was taken by you) or you have obtained express consent from the image's owner to use the image on your Card; (ii) you have obtained express consent from any person whose image you use on your Card; and (iii) use of the image by Thumb Bank & Trust will not infringe any other person's rights, including intellectual property rights, in the image. You (or you have obtained consent from the image's owner) grant to Thumb Bank & Trust a perpetual, non-transferable, non-exclusive, royalty-free, world-wide, irrevocable license to use the image and the data you provide to Thumb Bank & Trust for the purpose of providing your Card. You agree to indemnify, defend and hold harmless Thumb Bank & Trust, its successors and assigns, against any claims, damages, losses, costs, expenses (including attorney's fees) incurred by or asserted against Thumb Bank & Trust caused directly or indirectly by the use of this service or as a result of the image being used on and reproduced on your Card, or arising out of or as a result of Thumb Bank & Trust storing, modifying, copying or using the image. Thumb Bank & Trust's liability hereunder is limited to refunding the fee associated with the issuance of the Card and Thumb Bank & Trust is not liable to you for any loss, claim or expense whatsoever in relation to any action by Thumb Bank & Trust permitted under these Terms. Thumb Bank & Trust is not responsible for image quality including but not limited to poor-quality images or images poorly positioned on the Card.

Thumb Bank & Trust reserves the right to add to or modify these Terms and to terminate the Card program or Card issued to you, at any time, in its sole discretion.

Thumb Bank & Trust reserves the right to reject any image (includes a photograph) submitted or to refuse to issue you a Card, in our sole and absolute discretion. You may not submit images that are unacceptable as outlined in the Image Guidelines.

There is a $10.00 fee for each new Card. There is also a $10.00 fee for each updated image or replacement Card. There is no fee for a renewal Card which is reissued every three (3) years from the current expiration date. The fee will be deducted from your checking account linked to your Card. If you do not have enough funds to cover the fee(s), your Card request will not be processed. If you currently have a debit card, your new Card will replace your existing Card. You agree to destroy your old debit card upon receipt of your new Card. You agree to hold Thumb Bank & Trust harmless for any loss incurred as a result of NOT destroying your old card.

If you have not advised Thumb Bank & Trust within 60 days of the renewal date noted on your Card that you wish to submit a new image for your Card, Thumb Bank & Trust will renew your existing Card with the same image.

Your primary checking account attached to your debit card will be charged $10.00.

Continue to Full Image Card Creation


Continue to Identity Card Creation

MyCard Image Guidelines

Uploaded Image Requirements:

  • minimum size of 840 x 840 pixels
  • not larger than 10 MB
  • JPEG, PNG, GIF, Bitmap, or TIFF format
  • Use a high quality image – the better your image, the better your final card will look.

Cardholder supplied images and/or text should not contain:

  • Political Statements
  • Advertising, promotional text, slogans, copyrighted or trademarked material*
  • Phone numbers, URLs
  • Brand names or branded products*
  • Celebrities, athletes, musicians, public figures, etc*
  • MasterCard®, American Express®, Discover® or any other payment brand references
  • References to any Visa sponsorship property, such as the Olympics or NASCAR
  • Socially unacceptable groups
  • Provocative or sexual content
  • Profanity, obscenities or nudity
  • Violence, firearms, weapons or ammunition
  • Alcohol or tobacco
  • Any content that might result in problems at point of sale or interfere with security features of the card
  • Any content that might infringe, denigrate or dilute the Visa brand or its member financial institutions

*except images or content associated with approved affinity programs

MyCard FAQ

Frequently Asked Questions

Who's eligible for a Thumb Bank & Trust MyCard Debit Card?

Those who have a Thumb Bank & Trust account with a MasterMoney Debit Card. The primary account owner and any authorized users on the account can customize their card.

What if I have an existing Thumb Bank & Trust MasterMoney Debit Card?

In order to receive your new MyCard Creation Debit Card, all you will need to do is upload a photo or choose from our design gallery. You will receive your new Photo Debit Card in the mail, you will receive the same card number with the same PIN. All you need to do is activate the card when you receive it.

What will happen to my existing Thumb Bank & Trust MasterMoney Debit Card?

You will be able to continue to use your existing card until your new card arrives. When you receive your new MyCard debit card, activate it and cut up your old card.

How often can I change my design to a customized Thumb Bank & Trust MasterMoney Debt Card?

You can change the existing card for either primary account owner or authorized user as often as you like.

What images are not acceptable?

Please see our Image Guidelines for our criteria for acceptable photo submissions. Thumb Bank & Trust reserves the right to reject any image we believe violates our Image Guidelines. If an image is rejected, you will be notified by e-mail within two business days. You may submit a new image anytime following your rejection. See also Terms & Conditions

How much does it cost?

A fee of $10.00 will be deducted from your checking account linked to your Thumb Bank & Trust MasterMoney Debit Card each time you create a new card.

What happens when my card expires?

Upon expiration of your card, a new card will be sent with the same image as your most recent card.

How will I receive my personalized card?

Your card will be mailed to you via the US Postal Service.

How long will it take to receive my card?

After your request has been submitted and approved by Thumb Bank & Trust you can expect your card to be mailed within 7-10 days.

What if I pay a recurring bill using my debit card?

When your new card arrives, contact the vendor who initiates the bill payment and update the expiration date. All new Photo Cards come with a new expiration date and three-digit security code.


UChoose Rewards® is a promotional incentive program by Thumb Bank & Trust to its debit cardholders. With UChoose Rewards®, you can collect points with qualifying purchases you make every day after your card is registered. Then, you can use your points to choose from a wide array of products, travel experiences and activities, event tickets and more! Log on to from our web site for more information.