VISA Debit and Credit Cards

VISA Debit and Credit Cards


VISA Debit Card

With the Bank & Trust Company Visa© Debit Card your everyday purchases just got easier. Simply present your card to any merchant that displays the Visa© symbol and your transaction will be automatically deducted from your checking account. Your Visa Debit Card also works as your ATM card. You can make cash withdrawals, transfers, and balance inquiries at any ATM location, 24 hours a day.

Using your card will be more convenient than writing a check when going out to dinner, filling your car with gas or shopping. Unlike personal checks, you can use your card out-of-state without any hassle. Unlike personal checks, your card will be accepted by any merchant that accepts Visa. Your transactions will be detailed on your checking account statement. Unlike credit cards, your transaction is deducted from your checking account balance, not added to your credit card limit, so it is interest free.

A Personal Identification Number (PIN) helps keep your money where it belongs — with you.

Available to those who qualify with all accounts except Insured Money Market Account.  ATM transactions subject to 2pm cut-off time.

Stop in or call one of our locations to get started today!


Click below to find nearby ATMs within our No-Fee ATM Networks: 



Think you've had fraudulent transactions on your card?
Call (800) 264-4274, option 3 after business hours.


Visa Credit Card

 Your life.  Your choice.

Earn more rewards for all your everyday purchases.*

3x the points

  • Grocery Stores
  • Discount Stores
  • Gas Stations
  • Restaurants and Fast Food

1x the points

  • All other purchases


We make it easy to redeem

Access your account to see how many points you've earned through online banking or your monthly statement at
Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.*

Additional Visa Benefits

Fraud Protection

Visa's Zero Liability Policy means you won't be held responsible for any unauthorized charges made with your card or account information.**


Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager, and more.***

Online Credit Card Control

View transactions, pay bills, and track expenses.
Includes eStatements with 18 months of history.
Apply Now


Cardholder Self-Service Contacts

Online Account Access -
Rewards Points Redemption -
Customer Service - 1.800.821.5184

Cards issued by UMB Bank, n.a.
*Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
**Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult your issuer.
***See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.


 Fraud Protection


Be a savvy debit card user and protect your hard-earned money.

  • If an ATM looks suspicious, or has anyone suspicious hanging around it, find another ATM to use.
  • Be wary of anyone who stands close enough behind you to watch you enter your PIN or read the information you enter into an ATM.
  • Check your bank statements regularly, or use online banking to monitor account activity. Keep track of your receipts and check them against your account activity. Contact us as soon as possible if there are any payments made from your account that you don't recognize.
  • Contact us right away if your card is lost or stolen, or if you believe it has been used fraudulently.  Mobile banking users can deactivate their card to prevent fraud.
  • You should memorize your PIN. We can set you up with the PIN of your choice to make this easier.  DON'T write it on your card or share it with anyone else.
  • Don't let anyone "borrow" your card.
  • Bank & Trust Company places daily limits on purchases and withdrawals for your own protection. Learn what your limits are by contacting our bookkeeping department.
  • If you suspect that something is wrong, let us know right away, and contact local law enforcement.