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Lost or Stolen Card

If your card is lost or stolen, or you suspect there has been unauthorized activity on it, immediately contact American Community Bank & Trust at 815-338-2300. If calling after bank hours, please call 800-472-3272.

Business Debit Card

Business Debit Card Image

Our debit cards provide an easy way to manage daily business expenses and quickly access cash or credit.

Using Your Card Abroad

Your debit card is a safe and convenient way to make purchases when traveling. 

*Some travel restrictions may apply, please contact your banker to discuss. 

Safer spending with CardValet®

CardValet helps you take control of your debit card usage and your spending.  You can instantly lock cards if they go missing, and unlock them when they are found, set transaction and budgeting limits, stay notified of real-time purchases, and establish parental controls.  Play it safe with your debit card.  Learn more!

Debit Card Chip Technology

Debit card chip technology is now the security standard when making purchases at chip-enabled terminals.  The chip provides an additional layer of security to help reduce certain types of fraud resulting from data breaches.   As part of our commitment to your financial security, American Community Bank & Trust offers debit chip cards to all of our customers. 

Improved securityChip technology enhances security on every transaction.

Easy to useSimply insert your card into a chip reader or continue to swipe the magnetic strip as before.

Worldwide acceptanceChip technology is becoming the standard around the globe.

Using your chip card:

At chip-enabled registers, simply insert the card into the terminal and wait for the transaction to complete — no swipe needed.

  • Insert your chip card into a chip-friendly reader.
  • Follow prompts: Approve the amount.
  • Follow prompts: Enter your PIN or provide your signature.
  • Remove your chip card when prompted.

Your American Community Bank & Trust chip-enabled debit card also has a magnetic strip on the back for use in places where chip technology is not yet available.

Verified by visa

The security and privacy of your payments are important. Protect your card with your own personal password
so only you can purchase with it online. It is easy, safe, and free of charge. Click here to register.

Unauthorized Debit Card Activity

Debit card fraud is very prevalent today and, to protect your account, we actively monitor our clients' debit card transactions to try to detect potential fraudulent activity. If we suspect something is out of the ordinary, we may call you to verify the legitimacy of the transactions. Your response to our call is critical in preventing risk and avoiding restrictions that could be placed on your card while we investigate suspicious or unusual transactions.  

During normal banking hours, American Community Bank & Trust may contact you to review any transactions that seem out of the ordinary. We will call the primary phone number we have on file. Please note that it is very important we have your primary phone number (both cell and hard lines) on file. Please help us by ensuring we have accurate and current contact information.

In some instances, and after normal banking hours the Fraud Detection Center will contact you to review any transactions that seem out of the ordinary.

  1. To verify your identity, the automated system will ask you to enter your zip code.
  2. You will be asked to verify one or more recent transactions. If fraud is confirmed or suspected, you will be transferred to a representative. If the transactions are legitimate, no further action is required.
If you are not available to answer the call, a message will be left and a call-back phone number will be provided. If the call was originated by the Fraud Detection Center, you will be given an authentication number to retrieve your alert and you will be asked to approve the transaction or identify it as fraudulent.

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