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Debit/ATM Cards

Debit cards are convenient, fast and easy. But best of all, Reliant Bank provides debit cards FREE with any consumer checking account. It links directly to your Reliant Bank checking account to easily deducts funds for point-of-sale purchases or ATM withdrawals. This eliminates the need to write checks or carry around cash.

Lost or Stolen Debit/ATM Cards

To report a lost or stolen Debit/ATM Card during normal business hours, please contact any branch or your banker for assistance. To report a lost or stolen card after business hours, please call 1-800-472-3272. Be sure to check your account transaction history and notify the bank immediately of any compromise.  Please note that if you report your card lost or stolen after hours, you will need to contact Reliant Bank the next business day to order a replacement card.

Activating a New Debit/ATM Card

If you receive your card at a Reliant Bank branch, you'll select your Personal Identification Number (PIN), the card will be activated and available to use immediately. If you receive your card in the mail, you will activate it and select your PIN by calling 1-800-992-3808.   You can change your PIN at any time from a Reliant Bank ATM or by calling this 800 number.

Declined Debit Card

Your debit card transaction may be declined if you have insufficient funds in your account. If you experience a card decline but have sufficient funds in your account, this may be the result of suspicious activity. When Reliant's debit card provider is alerted due to suspected fraudulent activity, a temporary hold is placed on your debit card. This is a protective measure to prevent fraudulent charges from appearing on your account. To quickly resolve the issue, call 877-253-8964 24 hours a day, 7 days a week. It's also a good practice to provide your mobile number as part of the account opening. This enables quick contact to you if suspicious activity is detected.

International Usage and Your Debit/ATM Card

All foreign Debit/ATM Card transactions are automatically blocked due to the heightened risk of fraud. If you plan international travel, it is imperative that you notify Reliant Bank prior to your departure date  and establish a credit card as an alternative payment solution for foreign transactions.

Protecting Yourself from Fraud

Reliant Bank works with its debit card provider to minimize customers’ fraud exposure. A Fraud Management team is in place to monitor customers’ accounts and assess any suspicious activity.  From time-to-time, you may receive a call regarding your account activity.  This is a protective measure in place to verify transactions on your account.  The Fraud Management team will never ask you for your account number, debit card number or PIN. If you are contacted by the Fraud Management team and still have questions about your account, please contact your local branch or banker for assistance.

Reliant Bank advises all customers to beware of suspicious emails that could be potential phishing scams. Typically, scammers pose as a financial institution representative, claim there are fraudulent transactions on your account, and request you call a phone number or visit a website. Never click on associated links within these types of emails or respond with any sensitive information. Should you receive any emails of this nature, contact your local branch or banker immediately.

+ $10 charge for debit card replacement

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