• No debt: With a debit card, you can only spend the money you have in your account, so you won’t accumulate any debt.
• Convenience: Debit cards are widely accepted and can be used for purchases online, in stores, and at ATMs.
• Control: Debit cards allow you to track your spending and help you stay within your budget.
• No interest: Since you’re spending your own money, there are no interest charges associated with debit cards.

• Sign your card on the signature panel as soon as you receive it.
• Select a PIN but avoid using information that can be tied to other personal information (ie: birth date, Social Security Number, telephone number, etc).
• Program the Lost or Stolen hotline phone numbers in your phone. Report a lost or stolen card or potential fraud immediately.

During bank hours, call us at 920-779-7000.
On Saturdays or after business hours, call the Wolf Line at 833-423-0341, option #4.

• If you want to pay with your phone or smartwatch through Apple Pay, Google Pay or Garmin Pay, download your preferred digital wallet’s app and follow the steps to add your Wolf River Community Bank card to your wallet. Get detailed instructions here. Then look for their payment logos at stores and merchant websites to determine who accepts these payments.
• Update any payments tied to your old debit card like:
  • Streaming Services: Netflix, Disney+, HULU, HBO, AppleTV, etc.
  • Subscriptions: Walmart+, Amazon, Hello Fresh, Chewy, XBox, Stitch Fix, Spotify, Microsoft, etc.
  • Memberships: Gym, AARP, Sam’s Club, Costco, etc.
  • Other: Door Dash, GrubHub, Venmo, PayPal, utility bills, pharmacy, cell phone, school payments, storage unit, etc.

• Check your bank account frequently to make sure all transactions look correct. If you notice something that looks suspicious, contact us immediately.
• Look closely at gas pumps and ATMs for skimmers that might be placed over the card slot. Don’t insert your card if the card slot or keypad looks suspicious. Cover your hand when you type your PIN.
• If shopping online, we do not recommend using your debit card since it is linked to your bank account and isn’t as easy to dispute as a credit card. If you use your debit card, use only trusted sites and brands. Look for the green padlock icon and “HTTPS://” to ensure you’re on a secure site.
• Do not lend your card to anyone. Protect them as if they were cash. Card misuse is often traced back to family and friends.
• Use the card controls within online or mobile banking to turn your card on/off, set travel notices, or increase balances.

1. 1. If you have our mobile or online banking, turn your card off instantly through the “manage cards” menu.

1. 1. Contact us immediately:
      During bank hours, call Wolf River Community Bank: 920-779-7000.
      Saturdays and after business hours, call the Wolf Line: 833-423-0341, option #4.

1. Stop by the bank during lobby hours to get a new debit card printed instantly or, if it’s more convenient for you, request to have a card mailed to you.*

*There’s a $10 fee for a new debit card.

The daily dollar limit on your debit card is $2,510 and $410 of that can be used for ATM withdrawals. If you feel that this daily limit does not fit your financial needs, please contact us to discuss options to raise those limits. You can also temporarily increase your balance for large purchases or payments with the mobile app. Go to ‘Manage Cards’ then click the arrow on the right hand side. Scroll down and choose ‘Request Temporary Spending Limit Increase’ then follow the prompts.

Overdraft protection is a service offered to avoid costly overdraft fees. It works by linking your checking account to another account, such as a savings account or line of credit. If your checking account has insufficient funds to cover a transaction, the bank will automatically transfer funds from the linked account to cover the transaction, thus avoiding an overdraft fee.

To take advantage of this service and make the transfer, there must be money in the savings or line of credit account. At Wolf River Community Bank, it is complimentary to sign up for overdraft protection and there’s a small fee when the overdraft occurs. Once set up and an overdraft occurs, we will pull from your savings or line of credit in increments of $100.

Don’t have overdraft protection yet? Contact us to get started.