How to Use Your Debit Card
Our debit cards have built-in chip and secure Tap-to-Pay technology. These cards are more secure and easy to use. When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
If a merchant does not have a chip-activated terminal, you will swipe your card as you do now. If there is a chip-activated terminal available, follow these easy steps:
- Insert the chip end of the card into the terminal with the chip facing up.
- Keep the card in the terminal throughout the transaction and follow the prompts on screen.
- Remove your card when prompted and take your receipt.
If a merchant has a Tap-to-Pay enabled terminal you will simply hover your card over the terminal to allow the payment to process. Often indicated with a "beeping" noise.
When used at a Tap-to-Pay terminal your State National Bank card generates a one-time code, which is virtually impossible to counterfeit.
Use your State National Bank Mastercard debit card to access your account anywhere Mastercard is accepted to pay for purchases. Or use it at any State National Bank ATM 24 hours a day to make withdrawals, check your balance and make transfers at no charge to you *. The amount is deducted directly from your account. You have the convenience of a credit card but without the interest charges. To order yours today, stop by any one of our banking centers.
Instant Issue Debit Cards**
We also offer instant issue contactless/EVM chipped debit cards at the following banking centers:
- Big Spring
- Lamesa
- O'Donnell
To find out how to order your instant issue debit card today - please give us a call at 432-264-2100. You can also view a complete library of available images here.
Lost or Stolen Debit Cards
To report a lost or stolen State National Bank Mastercard debit card, please call (844) 202-5333 AND notify State National Bank at (432) 264-2100.
You may also stop by any State National Bank banking center, or chat with us online.
Helpful hints for avoiding debit and credit card fraud
Data breaches are becoming more and more common for retailers. This means that your debit and credit card information may be more vulnerable to confiscation by hackers. However, by using a few simple tips you can go a long way towards protecting your card information. Here are some best practices from our fraud experts:
- Sign up for eAlerts and fraud alerts for your debit card transactions. This free feature is available inside online or mobile banking and can be set up for a wide range of debit card transactions, such as being notified of each and every debit card transaction that clears your account.
- Use online banking and mobile banking to keep a close eye on your accounts. These free services give you the ability to check your transaction history 24/7. Also, reviewing your monthly statement is a good way to spot fraudulent transactions.
- Change your PIN periodically. We offer a toll-free number, 877-965-3344, that you can use to change your State National Bank Mastercard debit card PIN. It's a fast and easy process that can really help keep your card information secure.
- Never write your PIN on your card or keep it in your wallet. If your wallet is stolen, thieves have immediate access to your accounts.
- Try not to use the last four digits of your Social Security Number, your phone number or your street address for your PIN. While these may be easy to remember, they are also the first sets of numbers fraudsters will try to use should they steal your debit card.
- Try to utilize the Tap-to-Pay feature, or mobile wallets where available to reduce exposure to Skimming Devices.
FREE ID Theft Monitoring*
All State National Bank Debit cards come with FREE ID Theft Monitoring services. All you need is an active State National Bank Mastercard. Learn more and register for this service in our Resource Center Today!
Debit Card Holds
When you use your debit card to make a purchase, the needed funds are placed on hold, meaning it is no longer part of your available balance. That way, the money is there to clear that transaction when the item is presented for payment. To avoid this affecting your account negatively, use a credit card for buying gas, reserving hotel rooms or rental cars or ask the merchant how much the pre-authorized hold amount will be and place additional funds in your checking account to cover it.
Gas stations and hotels often place temporary “holds” on your card that are higher than the actual purchase amount. These holds are controlled by the merchant, not the bank, and can stay on your account for several days.
Hotels
Many hotels place a hold of around $500 when you check in. Even if your stay only costs $150, that hold can remain on your account for up to 7 business days after you check out.
Gas Stations
Most gas stations place a hold of $70-$100 for up to 72 hours, even if you only pump $30 in fuel. Some stations place just a $1 hold to verify your card is active, then charge the full amount later, sometimes days later. This can make your available balance look higher than it really is until the final charge posts, which may lead to accidental overdrafts.
Important
State National Bank does not control these merchant holds or how long they remain on your account.
Additional Information:
Features, terms, and conditions may change at any time without prior notice. Mobile carrier message and data rates may apply. Third-party services, including mobile wallet providers, operate independently of State National Bank and may have their own terms and privacy policies. This page is for informational purposes only and does not constitute an offer to open an account. ID Theft Monitoring does not guarantee the prevention of all identity theft. Alerts may not be delivered in real time. See bank for full details.
Additional Notices:
Merchant pre-authorization holds are set solely by the merchant and cannot be adjusted or removed by State National Bank. Chip and Tap-to-Pay functionality may not be available at all merchant locations. Mobile wallet compatibility may vary by device, operating system, and provider. Online and mobile banking services may experience periodic maintenance or interruption. PIN change services may be subject to verification and system availability.
* Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris ® Powered by Generali. Please see your Guide to Benefits for details or call 1-800-MASTERCARD. Mastercard and the circles design are registered trademarks, and Mastercard ID Theft Protection is a trademark, of Mastercard International Incorporated.
© 2026 Mastercard. All rights reserved.
* There is a per transaction fee for using a non-State National Bank ATM, plus any surcharge the owner of the ATM may charge.
** There may be a fee for an instant issue card - please refer to your fee schedule or see us for complete details.
Contact us today!
An experienced member of our banking team will be there for you every step of your financial journey.