Personal Debit Cards

Important Information for Debit Card Holders:

Tennessee State Bank's Debit Card has the Visa® logo on it and is accepted any place that honors a Visa® credit card. The TSB Debit Card can now be upgraded to (Opens in a new Window) (Opens in a new Window) (Opens in a new Window)The Smoky Mountains Charity Card, School Spirit Card (Opens in a new Window) (Opens in a new Window) (Opens in a new Window) or The Patriot Charity Card (Opens in a new Window) (Opens in a new Window) (Opens in a new Window).  

Customers can order a TSB Debit Card or Charity Specialty Card at any of our branch locations or by calling Card Services at (865) 429-2273. Tennessee State Bank offers ATM services at each of our branches and other offsite locations.  There is no ATM Withdrawal or Transfer Fee when using a Tennessee State Bank ATM with your Tennessee State Bank Debit Card.   


Apple Pay®

Apple Pay® is safe, convenient and easy to use.  The TSB Debit Cards and TSB Credit Cards can both be added to your iPhone, iPad or Apple Watch to pay for purchases at any participating merchants.  Your card number is never stored on your device and card details are never shared when you use Apple Pay making it a safer and more private way to pay , and so convenient!

Samsung Pay

Have you taken your Tennessee State Bank Visa® card digital yet? Adding it to Samsung Pay is as easy as snapping a picture of your card. TSB Debit Cards and Credit Cards can both be added to select Samsung mobile devices.    

Google Pay™

Google Pay™ is a contactless payment technology that makes paying as easy as pulling out your Android phone. Users’ card information is never shared with stores because Google Pay doesn’t send their actual credit or debit card number with their payment. TSB Visa® Debit Cards and Credit Cards can both be added to your Android phone to make paying for purchases at participating merchants safer and easier!


Debit Card Travel Tips

If you are traveling out of the area, please contact our office and inform us of the dates you will be traveling.  You can also add Travel notices in Online Banking or the Mobile Banking App.  This will prevent the appearance of fraud occurring on your account and we will notify TSB FraudWatch.  We do have a block on all non-US transactions.  If you travel outside of the US, we will need to lift the Non-US flag to allow your transactions to be approved.

In order to prevent debit card fraud, it is sometimes necessary to place blocks on certain merchant types or transactions in certain states or areas.  If you are out of state and are declined during a transaction, ask the merchant to run your card as a debit with your PIN.  If you are still experiencing problems, call our office at (865) 429-2273.


Debit Card Limits

We have pre-set daily limits on our debit cards. They are as follows:

  • ATM Transactions- $500.00
  • POS Transactions- $2,500.00

If you need to make a transaction that is over these limits, please call us at (865) 429-2273 during business hours and we can temporarily increase it to allow the transaction to complete.  Debit Cards issued only on a Savings account can only be used for services at the ATM. 


Changing the PIN on your Debit Card 

You can change the PIN on your debit card or activate your new debit card by calling the following:   

  • Card Activation/PIN change for Debit Cards  (800) 290-7893
  • Card Activation /PIN change for Debit Cards if calling from outside the United States (206) 624-7998

TSB FraudWatch 

Your account security is important to us.  That's why we are continually working to detect fraudulent activity and bring you tools like TSB Fraudwatch to safequard your account.  As a TSB debit card customer, you are automatically enrolled and alerted to any suspicious activity on your TSB debit card.  Visit our TSB FraudWatch page for more information about this service and to set up your own personal debit card alert preferences.  


Visa® Secure Online Transactions 

When using your debit card for online purchases, some merchants may participate in Visa® Secure.   


What is Visa® Secure? 

Visa® Secure (formerly Verified by Visa®) is a program that helps confirm your identity when you make an online purchase.  This service helps make shopping online more secure by protection against unauthorized use of your card.  There's no need to download anything, install software, or register.  


Why am I being asked to perform authentication?

During an online purchase, you may be guided through an extra check to verify your identity.  This does not occur on all transactions.  If you encounter this extra step, a pop-up box will appear during checkout requesting transaction verification.  It will give you the option of having a verification code sent to you by text, email or phone call according to the contact information we have on file.  Once you receive the code and enter it confirming your identity, you can proceed with the checkout.  This helps us ensure you're you and better protect you from fraud. 

 

What happens if I enter the code incorrectly or am having a problem with the purchase?

You will be able to request and enter the code three times.  If the verification fails or you experience issues, you should contact our Card Services Department at (865) 429-2273 for further assistance.  




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