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Debit Cards

Business Visa® Debit Card

Easier than cash. Simpler than a credit card. 

Faster, easier and less expensive than writing a check, a Visa® Debit Card can help make day-to-day business purchases a snap. It works just like your personal debit card. Swipe it to buy things your business needs, pay for travel expenses or treat a promising business lead to lunch. And the benefits go beyond money management. Not only are your business and personal expenses clearly separated, you’ll also get some great features like enhanced online security and more, without an annual fee or the risk of paying interest.

Your debit card connects directly to your business checking account, so you can make everything from day-to-day purchases to recurring automatic payments. Each transaction is part of your account register, making it easy to track where your money is going.

To further simplify things, you can sign up employees for their own card and assign a spending limit if you choose.

Check out the benefits of having a CKB Business Visa Debit Card:
  • The money gets automatically debited from your Cross Keys Bank Business Checking Account 
  • Purchases and withdrawals are recorded on your account statement by individual card number
  • Pay no annual or monthly fees
  • Access up to $500 a day at the ATM and spend up to $2,000 a day on debit purchases*
  • Enroll with the SecurLOCK™ Equip App to control your debit card directly from your smartphone
  • Manage Multiple Business Debit Cards from the SecurLOCK™ Equip App

*Limits can be temporarily raised for large withdrawals and purchases by calling your local branch.


Activate Your CKB Visa Business Debit Card by calling 1-866-633-5293 from the Business Phone number on file with the bank.

Lost or Stolen Card

If you think your Cross Keys Bank Business Debit Card has been lost or stolen, please let us know immediately. During business hours call the main branch at (318) 766-3246 or (888) 766-3246. After business hours and on weekends, call (800) 500-1044.

If you think your Cross Keys Bank Business Credit Card has been lost or stolen, please notify the card issuer (TIB) immediately. Anytime, call (800) 367-7576.

Disputed Charges

If you would like to dispute charges on your card, please call your local branch or submit a secure message via Online Banking. Common reasons for disputed charges include:

  • Your card was stolen and used for unauthorized purchases.
  • The charges on your statement differ from what was billed by the merchant.
  • You did not receive the products or services you purchased with your card.


Q: Are there daily monetary limits my debit card?
A: Yes, the standard daily limits for debit cards are $500.00 ATM Cash Withdrawal and $5000.00 Point of Sale. 

Q: How can I increase my debit card limits?
A: Limits can be temporarily raised for large withdrawals and purchases by calling 1-888-766-3246, by contacting your local branch or submitting a Secure Message via Online Banking.

Q: Why would my debit card be declined at a merchant?
A: You can be declined for multiple reasons. If you exceed your daily limit or you do not use the address and zip code associated with the account. You are attempting to make a purchase in a foreign country via Internet or Phone. You have not responded to a SecurLOCK™ Fraud text, email or call.

Q: What are SecurLOCK™ Fraud Alerts?
A: Cross Keys Bank utilizes a fraud detection system called SecurLOCK™ Fraud Alerts. You may receive an SMS text, email or phone call from a toll free number. SecurLOCK™ Fraud Alerts will identify themselves as Cross Keys Bank and ask you to verify transactions made on your Cross Keys Bank Debit Card. You may receive a text, e-mail, voicemail and a letter in the mail. If you do not answer calls from SecurLOCK™ your debit card may be temporarily blocked until the transactions can be verified. Please click here for detailed SecurLOCK™ Fraud Alerts information.

Q: What is SecurLOCK™ Equip?
A: A free App that can be installed on your smartphone (Apple or Android) that will allow you to control your debit card with the touch of your finger. With SecurLOCK™ Equip, you are able to download a free app that will allow you to manage your own preferences. Want to restrict your card from being used for Internet purchases? Done. Want to set dollar limits? Done. Want to restrict use outside a certain region? Done. Want to restrict use from certain types of merchants? Done. Want to block all usage because you misplaced your card? Done. Want to restore usage because you found your card? Done.

Q: Should I alert Cross Keys Bank if I am traveling and plan on using my debit card?
A: Please let CKB know if you plan on traveling and will be using your debit card. If CKB knows when and where you are traveling then it will help SecurLOCK™ Fraud Alerts calling to verify transactions.

Q: How do I request a new Personal Identification Number (PIN)?
If you should forget or lose your PIN and need a new PIN number, please contact us immediately at 1-888-766-3246 or visit your local branch.

Q: My debit card is going to expire soon. Do I need to do anything?
A: You should receive your new debit card in the mail about two weeks before your current card expires. Your current card is good through the last day of the expiration month that appears on the front of your card. If you do not receive your new card please call us at 1-888-766-3246.

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