Throw out those old checks and swipe with pride when you switch to our Mastercard® debit card.

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  • 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

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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 1-800-523-4175 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