Important Notices


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Card Services

Instant Issue Debit Card

Receive your debit card before you leave the bank when you open your checking account. If you ever need a second card for another account holder or need to replace your card, you can get one instantly at our Jerseyville and Grafton branch. No need to wait for it to arrive in the mail!

Digital Wallet

Now, you can make purchases without your physical plastic card! Carry your Jersey State Bank cards in digital form by adding them to the mobile wallet on your smartphone.  Add your Jersey State Bank card to these mobile wallets: Apple Pay®, Google Pay™, or Samsung Pay®.  Learn More!

Surcharge-Free ATMs

Money Pass with Jersey State BankYou can use your debit card with no fee using our surcharge-free ATM network.  The MoneyPass® ATM network that allows you to use more than 32,000 ATMs nationwide for FREE! Click the logo below to find an ATM near you.

We’ve made it even more convenient for you to control your debit card!

Now you can setup up Push Notification alerts and control spending limits on your debit card all inside our Jersey State Bank mobile app with one login!  Learn More!

Fraud Detection

Jersey State Bank utilizes a fraud detection program to prevent unauthorized use of your Debit Card. The program tracks the type of transactions you usually perform with your Debit Card and then compares that behavior with each new transaction and characteristics of fraud. If something seems suspicious, you may be called at home or cell phone to verify the transaction.  Automated phone calls will come from (888)253-8962. If you are unavailable, a voice message will be left asking you to call and verify the transaction. If there is no reply, they will put a temporary block on your card. This program is for your protection as we try to eliminate Debit Card fraud.

If we have your cell phone number, you will receive a text alert when suspicious activity is detected on your JSB Debit Card.  Text message alerts will come from 37268.  If you receive a fraud alert, it is asking you if the transaction listed in valid (something you did).

  • If you reply YES (transaction is legitimate), you can continue using your card as normal.
  • If you reply NO (transaction is fraudulent), you will quickly receive a follow-up text notifying you that a Fraud Specialist will contact you very soon to help protect your account. We will automatically block your debit card to prevent further fraudulent transactions.
  • If you do not reply to the text, we will attempt to reach you via an automated voice call.


If you plan to use your Debit Card to purchase expensive items that are not typical of your card use, please contact the bank to notify us.  618-498-6466 or 618-786-2311.

Traveling Soon?

Contact the bank if you plan to use your Jersey State Bank Debit Card while traveling out of the country or within the US but in states outside where you live. Due to fraud concerns, many foreign countries or out of state transactions may be declined if we were unaware of your plans.

Please complete our Travel Notice with the dates and places you will be traveling so we can place you on an exception list or setup a Travel Plan within our mobile banking app.  Add countries and U.S. states to enable purchases in destinations you plan to visit all within our mobile banking app*.  Click on My Cards and Manage Card then Manage Travel Plans.  Add up to 15 states and/or countries and dates of departure and return. Once the plan is submitted, it should go into effect immediately.

Lost or Stolen Cards?

Report a debit card lost or stolen and immediately turn it off right from your phone all within our mobile banking app*.  Click on My Cards and Manage Card then Report Lost or Stolen Card it will then call 800-472-3272.

Report the missing card immediately to avoid any unnecessary losses and so we can put a transaction block on your card. Contact us during business hours at 618-498-6466 or 618-786-2311. After hours, you can call CARD PROCESSING CENTER directly at 800-472-3272.

To report fraudulent activity after hours, you can call CARD SERVICES directly at 800-262-2024.

Mastercard® Guide to Benefits for Consumer Debit Cardholders

Click to view the guide.  MasterCard Guide to Benefits as of 7-1-2019
To learn more, call Mastercard® Assistance Center at 1-800-627-8372 or en Español at 1-800-633-4466.