Trade the checks and cash for more convenient purchasing power
With the security of Mastercard® you can dip, swipe or tap and make purchases within seconds.
Benefits You’ll Love
- Safer to carry than cash
- Enjoy a faster purchasing process than checks
- Access the convenience of shopping online, worldwide
- Earn rewards on purchases and make spending even sweeter
- Easy access to your checking account
- Faster than checks, safer than cash
- Funds deducted from account immediately
- Accepted at millions of merchants worldwide
- 24-hour customer service
- Cash withdrawals at ATMs
- Instant-issue cards available — visit a branch to get your card in minutes
- Learn more about your Mastercard® Debit card benefits
- To activate your card, call 1-800-992-3808
{{ chip-cards }}
Travel Exclusion
Due to an increased risk of fraud, certain states and merchants may be blocked by our fraud monitoring system. In an effort to have your debit card work properly while you are traveling, please notify us when and where you will be traveling so that we can note this on your account.
In the event of an unauthorized debit card transaction or ACH, please contact your nearest FOCUS Bank branch for customer service assistance or call 1-800-464-3150. If assistance is needed after-hours, please contact 1-800-472-3272 to cancel your card. In general, disputes must be filed in branch and the cardholder must be present and able to sign required dispute documents.
If you are unable to come in to a branch, please ask for our Dispute Coordinator who can provide you with email, fax or mail forms. Once you are connected to our Dispute Coordinator or an in-branch representative, you will give a description of the transaction(s) and the reason for the dispute. A specialist will gather this information and input it into a cardholder statement. This statement and instructions will be sent to you in the mail. Follow the instructions and return the statement to the Dispute Coordinator.
Provisional Credit will be issued to your account during the time period of investigation. The results of investigation will determine whether the provisional credit will be determined as final credit or revoked. You will receive a letter notifying you of the results of the investigated dispute.
- Disputes can be reported for transactions that are no older than 60 days from the most recent account statement
- It may take up to 10 days for provisional credit to be posted to your account
- Disputes may take up to 90 days to investigate
- Provide a thorough description of the reason for the dispute and any other documentation you may have to help the Dispute Coordinator investigate your dispute
- Return all documentation as quickly as possible or provisional credit could be removed
If you have any problems filing a dispute, please contact your local branch for assistance.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Example Rate
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Online Only Specials
| Term | Minimum Opening Deposit | Rate | *APY |
|---|---|---|---|
| 7 Month Online CD Special | $1000 | 4.15% | 4.22%* |
| 11 Month Online CD Special | $1000 | 4.00% | 4.06%* |
| Call for In-Branch CD Rates |
7 month online only CD -
*Annual percentage yield. Annual Percentage Rate 4.22%. $1000 minimum deposit to open. Interest is compounded quarterly. Effective date 1/29/2025. Auto-renew provision with certificate renewing for 6 months at the going rate. Penalty for early withdrawal. Certain conditions and restrictions may apply. See website for details. MEMBER FDIC
11 month online only CD -
*Annual percentage yield. Annual Percentage Rate 4.06%. $1000 minimum deposit to open. Interest is compounded quarterly. Effective date 11/07/2024. Auto-renew provision with certificate renewing for 12 months at the going rate. Penalty for early withdrawal. Certain conditions and restrictions may apply. See website for details. MEMBER FDIC
Please call 800-464-3150 or your local branch for in-branch specific rates.
