Debit Cards

Protect Your Debit Card with CardValet!

  • Turn your debit card on and off!
  • Set purchase amount limits and geographic controls!
  • Receive instant activity alerts!
Howd does CardValet protect my debit card? Find out here!

Tie your Midland National Bank Debit Card to your mobile phone and make Mobile Payments wherever they are accepted!

Midland Debit Cards are...

  • ACCEPTED at thousands of ATM's for instant cash
  • WELCOMED at millions of locations for purchases
  • EMV-Enabled for enhanced security on in-person purchases
  • FASTER than checks, SAFER than cash
  • PROTECTED by the eNFACT Fraud Detection System
  • The most CONVENIENT card you'll ever own!

Contact Customer Service to request more information about Midland National Bank

If your card is lost or stolen, please call 316-283-1700 (during business hours) or 800-554-8969 (after business hours).

Earn Reward Points every time you use your Midland Debit Card!

Midland National Bank offers UChoose Rewards™, a debit card rewards program that allows our debit card users points by choosing the signature option when using their Midland debit cards. Our UChoose Rewards™ program is based on giving Midland debit card users a choice on where to shop and what to get when redeeming points! Click here for more information and to activate your Debit Card Rewards!

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Midland ATM Cards

Midland's ATM card gives you 24-hour access to your money. You can use your card at any of our Midland-owned automated teller machines or at any ATM nationwide where you see the CIRRUS symbol. For our customers' convenience, Midland owns and operates several ATMs in Newton, North Newton and Hesston, Kansas.

And don't worry if you find yourself out of town and needing cash. With our “Three for FREE” ATM fee reimbursement program we'll pay you back for up to three foreign ATM fees per month!

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MasterCard® Identity Theft Alerts

If you're a MasterCard cardholder, you're eligible for a free service that continually monitors your online identity and card information. The service, MasterCard Identity Theft Alerts, also alerts you to potential fraud or theft. 

Signing up for this free service is fast and easy! Visit the Mastercard Identity Theft Alerts webpage to sign up today.

We May Be Contacting You!

EnFact (Electronic Neural Fraud Analysis and Card Tracking) is a sophisticated, neural network solution that assesses fraud risk for card transactions without delaying or inconveniencing our cardholders.

To protect Midland National Bank customers, we monitor all ATM and Debit Card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we will call or text you to validate the legitimacy of your transactions. Your participation in responding to the call or text is critical to prevent potential fraud as well as to avoid restrictions we may place on your debit card. The transaction validation process will work as follows:

  • To set up SMS Text Alerts: You will receive a text message from number 207-33 asking you to opt-in to the service. Simply reply "YES" to the text message.
  • If a suspect transaction occurs, you will receive a text message from 207-33 asking you whether the transaction is legitmate.
  • If you are not signed up for SMS Text Alerts, you will receive a call from 877-253-8964 identifying itself as“Midland National Bank"
  • The caller will ask you to verify recent transaction activity on your debit card
  • You will be able to respond via your touchtone keypad
  • You will also be provided a toll-free number to call should you have additional questions or to speak with a service representative

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you quickly if potential fraud is detected, it is imperative that we have correct contact information for you in our systems. Please contact the bank as soon as possible if your contact information changes.

Please report lost, found or stolen debit cards immediately by calling 316-283-1700 or 800-554-8969 during non-office hours.

Consumer Protections Available

Liability for Unauthorized Transactions
Your liability for losses is limited to a maximum of $50 if your credit card is lost or stolen, although industry practices may further limit your losses.

The maximum liability is $50 if you notify the bank within two business days after discovering an unauthorized transaction. But if you notify your bank after those first two days, you could lose up to $500, or perhaps much more.

Liability depends on the type of funds on the card. If the card is a payroll card, then the liability rules are the same as for debit cards. But if the card is a general purpose reloadable card or a gift card, then there are no protections to limit your liability under federal law.

Disclosures
Credit card solicitations must disclose certain information, including the annual percentage rate (APR), variable rate, penalty rate, fees, and other transaction charges.

Banks must disclose any fees associated with using the debit card as well as its error resolution process.

Disclosures depend on the type of card. For example, payroll cards must disclose any fees and the error resolution process, but a GPR card does not have any disclosure requirements. In addition, gift cards must disclose the terms of dormancy fees, whether there is an expiration date, and any other associated fees.

Periodic Statements
Credit card issuers must provide a periodic statement for each billing cycle where the account balance is $1 or more at the end of that cycle or where interest has been charged.

Banks must provide a statement for each monthly cycle in which a transaction has occurred. If there have been no transactions, then a statement must be sent quarterly.

Payroll cards must provide either a periodic statement or account balance by telephone as well as electronic transaction history. GPR cards and gift cards do not have periodic statement requirements under federal law.

Change in Terms
Credit card issuers must provide 45 days notice before making significant changes to the account, such as the interest rate or fees charged.

Banks must provide 21 days notice before making changes to fees charged or the liability limits for unauthorized transactions.

Payroll cards must provide 21 days notice before making changes to fees charged or the liability limits for unauthorized transactions. GPR cards and gift cards are not required to do so under federal law.

Interest Rate and Fee Limits
Generally, credit card issuers cannot increase the annual percentage rate (APR) or fees within the first year of account opening (although there are some exceptions to this rule). Card issuers must also reevaluate any interest rate increase every 6 months.