ATM Debit Cards


Debit and ATM cards are 2 of the most popular ways to access money in your checking or savings account. These cards give you flexible access to your money, but you need to be aware of any fees you may be charged when using your card.

Debit Card

Debit Card

Most banks (including Apple River State Bank) will offer you a debit card, also known as a check card, when you open your checking account. When you use a debit card, the money comes directly from your checking account, just like when you write a check. 

Debit cards look like credit cards—they will have a Visa® or MasterCard® logo on them. However, they are definitely not credit cards. A debit card will not help you build a credit rating layer. You can use a debit card to make purchases without accumulating interest layer because the money comes directly from your checking account. Debit cards can take the place of writing checks, paying with cash or using a credit card. 

Debit cards will also usually double as your ATM card, allowing you to withdraw cash or deposit money at an ATM machine.

Instant Debit Card Activation Instructions

  • To activate your card call 1-800-717-4923 (Important: You must call from the phone number on file, either home or cell.)
  • Follow prompts and enter card number followed by #
  • Enter last 4 digits of social security number followed by #
  • Enter expiration date
  • Once activated it will ask you to choose a different PIN press 1
  • Enter the 3-digit code on the back of the card followed by #
  • Choose a 4 digit PIN followed by #
  • Confirm 4 digit PIN followed by #
  • Wait to receive confirmation number before disconnecting call
  • Test card by performing a transaction at an ATM machine

ATM Card

Some banks offer you an ATM card that allows you to withdraw money from your checking account, but only through an ATM machine. Unlike debit cards, ATM cards do not have the Visa® or MasterCard® logo and, in most cases, may not be used to make store purchases directly.

ATM cards give you easy access to your money, but be careful because that easy access might cost you. For example, if you withdraw money from your account at your own bank's ATM, you probably won't pay any fees for that transaction. However, if you withdraw money from a different bank's ATM, you could get charged a fee from that bank as well as from your own.

Lost or Stolen ATM/Debit Card

If you have lost your ATM/Debit Card or your ATM/Debit Card has been stolen please contact us at one of the phone numbers below.

Normal Business Hours:
Monday - Thursday: 7:30 a.m. - 5:30 p.m.
Friday's: 7:30 a.m. - 6:00 p.m.
Saturday's: 7:30 a.m. - 12:00 p.m.

Normal Business Hours Phone Number: 815.777.6300
After Business Hours Phone Number: 800.383.8000