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Debit Cards

Add Convenience To Your Banking

Carrying cash can be an inconvenience and very few retailers accept checks as payment now. With a debit card from Austin Bank, you can add convenience and security to making purchases. Our MasterCard™ debit cards are accepted at retailers around the world and can be used to make purchases in person and online. We offer three debit cards, each with different benefits. Contact your local Austin Bank office to speak with our team about which debit card is right for you.

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Compare Our Debit Cards

Each of our debit cards are equipped with EMV-chip technology for enhanced security on your purchases. Below, you can view the features of each of our three MasterCard™ debit cards to determine which is best for your spending needs.

Instant issue debit cards available at all locations.

BenefitBasic Debit CardMy Rewards™
Gold Card
My Rewards™
Platinum Card
More Points for Everyday PurchasesBase amount only3 times the reward points5 times the reward points
Cash Back when Shopping Online*Avg. of 2.5% cash back1.5 times the Cash Back2 times the Cash Back
Bonus Points for Online Purchases*Avg. of 25 points per $1001.5 times the Bonus Points2 times the Bonus Points
Emergency Roadside Assistance1 event annually3 events annually
Cell Phone Protection2 claims annually
$100,000 Travel Accident Insurance
Prescription Savings
Local Discounts and Coupons
Hotel & Car Rental Discounts
VIP Customer Service
Expedited Card Replacement
Free My Rewards™ App
Extended Warranty
Buyers Protection
Exclusive Rewards and Vacation Packages
Monthly Cost per Card$0$9.95$14.95

Visit the Austin Bank Rewards website

*Cash back and points earned amounts vary by retailer. Fees applicable.

Consumers must be at least 18 years of age, maintain a participating checking account at Austin Bank, and be current in the payment of all Program fees assessed to participate in any My Rewards™ Card program.  

Base amount of points earned for purchases using the basic Austin Bank debit card is 1 point per $100 for signature card transactions and 0.5 points per $100 for PIN-based transactions.  The determination of whether a transaction is signature or a PIN transaction is dependent upon how the transaction is reported to and logged by Austin Bank (i.e. not all transactions for which a signature was required will necessarily be reflected as a "signature transaction".)  Cash Back and Bonus Point amounts and Program discounts and Coupon Values vary in the sole discretion of the applicable participating retailer or service provider.  Emergency Roadside Assistance covers up to $100 per event.  Cell Phone Protection covers up to $500 per claim, with a $50 deductible per claim.  Provides coverage only for damage rendering the device no longer able to perform the function for which the device is intended (i.e. damage causing the phone not to be able to make and receive calls, etc.).  For additional information on benefits available, please visit

Activating Your Debit Card

If your new Austin Bank debit card is not received in a reasonable time frame (typically 7-10 business days from date of order), please contact your local Austin Bank office or call our Customer Care Center toll-free at 1-800-644-9275. Instructions are provided with your card on how to activate and select your PIN (Personal Identification Number).

To activate a new card, set or reset a PIN, call 1-800-992-3808.

Report a Lost or Stolen Card

If you believe your debit card has been lost or stolen, please contact us immediately. During the hours of 7 a.m. – 7 p.m. Monday through Friday, please call Austin Bank’s customer service line at 800-644-9275. Outside of those hours, please call  800-472-3272.

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