Cards

Debit Cards

Enjoy the convenience of our Debit Card to make purchases online or in stores.

MasterCard SecureCode®

We're offering a complimentary, new online security service. The next time you shop online at a participating merchant, a window will appear, asking you to confirm your identity and to set up your own private SecureCode. By using your SecureCode each time you shop online at participating merchants, you'll be better protected against unauthorized use of your card. Now that's more peace of mind when you're online.

MasterCard SecureCode Enrollment

Debit Card ATM or Debit Card

  • Unlimited Debit Card usage
  • ATM daily limits may apply
  • Wherever you see a MasterCard®, Shazam®, or Cirrus® machine to get cash (up to $250 per business day).

ATM Card

You may use your card at any Shazam, or Cirrus machine to get cash (up to $250 per business day).


Lost or Stolen Card

Your security is top priority at South Ottumwa Savings Bank, West Liberty State Bank and Hedrick Bank. Contact us immediately if you lost your debit card or if you have had your debit card stolen. Contact our Deposit Services department as soon as possible at 1 (800) 653-2080.


Debit Card Protection

South Ottumwa Savings Bank Debit Cards are protected by “Card Sentry” – a risk management program used to monitor and detect potential debit card fraud. Protecting our customers from fraud is a top priority of South Ottumwa Savings Bank.

Card Sentry enables South Ottumwa Savings Bank to identify uncharacteristic debit account activity. Following each debit card transaction, Card Sentry assesses the probability that the transaction is fraudulent. If this probability exceeds a certain threshold, you will be contacted and asked to verify the transaction in question, either by an employee of South Ottumwa Savings Bank or a fraud specialist from Card Sentry calling on our behalf.

The caller will NEVER ask for your debit card or PIN number. You should never provide this inormation over the phone.

This system requires us to be able to contact you when suspicious activity is suspected. If you are planning to travel, or make a large purchase that may be uncharacteristic of you usual account activity, please notify South Ottumwa Savings Bank in advance. It is essential that South Ottumwa Savings Bank have current contact information. Having your information current will avoid delays and help us protect your account.

To update your information please visit or call any of our locations, the following is information we need to keep current.

  • Primary phone number
  • Secondary phone number
  • Address, City, State, Zip Code

If you have questions or concerns please feel free to contact the Deposit Service Department at South Ottumwa Savings Bank at 641-682-7541.

MasterCard® ,MasterCard SecureCode® & Cirrus® are registered trademarks of MasterCard. All rights reserved. Shazam® is a registered trademark of Shazam, Inc. All rights reserved.