SMB Online banking from Southwest Missouri Bank

Debit Cards

Get 24/7 access to the funds in your checking account with an SMB debit card. Our debit cards are easy to use, convenient, and safe - with no annual fee. Plus, sign up for SMB Rewards and earn points on all debit card purchases!

Use your debit card anywhere Mastercard® is accepted and at any ATM – worldwide.

You get state-of-the-art fraud risk monitoring and protection. We proactively monitor your transactions 24/7 and alert you if a suspicious transaction occurs.

Get your debit card instantly at any of our branches.

We do not mail instant issue debit cards or print them ahead of time. Some fees and restrictions may apply.

SMB Debit Card

Sign up for SMB Rewards and earn points on all debit card purchases. Cash your points in on gift cards to your favorite restaurants and retailers.

Not available for Business Debit Cards.

Pay Without Plastic
All of our debit cards can be added to Apple Pay, Samsung Pay, or Google Pay for fast, secure payments from your mobile device. Add your SMB debit card to your mobile wallet today.

Mobile Access
Manage your debit card with your SMB Online. Misplaced your card? Freeze it. Lost it for good? Cancel it. New card? Activate it right within your app. It's that easy!

Spirit Debit Cards
School Spirit Card
Show your school pride with an SMB Spirit Debit Card! A $15 fee will be debited from your checking account for each Spirit Card ordered, of which $7.50 will be donated to your school.

Mastercard® Guide to Benefits

Business Debit Card
Business Debit Card
Save time and money with our Business Debit Card. When running a business, you need a card that is flexible enough to keep up. Easily make purchases anywhere Mastercard® is accepted – in-store and online.

Mastercard® Business Guide to Benefits

ATM Card
ATM Card
Our ATM card is a great starter card and can be used at any ATM or PIN-based terminal. Your ATM card is activated no later than the next business day, giving you quick and easy access.

Gift Card
Gift Card
Need a last minute gift? Here's a gift everyone will like! Our gift cards can be used in-store and online - anywhere Mastercard® is accepted.

Fees apply. Terms and Conditions.

Debit Card Fraud Center Procedures

In our continuing efforts to keep your debit card secure, we've improved our alert notification system for potential debit card fraud. Here’s how it works:

  1. Email Notification – when potential debit card fraud is detected, you will receive an automated email notification with the option to reply as fraud or no fraud.
  2. Text Alert – one minute after the email, you will receive a text alert, which also allows you to reply as fraud or no fraud.
  3. Phone Call – if there is no response received, you will then receive an automated call to confirm or deny fraud. You will have the option to speak to a fraud analyst.

Remember – our messages will never ask for your PIN or account number.

To make sure you receive fraud notifications regarding your debit card, you may update your phone number and email address at (800) 943-8488 or by sending us a message within your SMB Online Banking.

Traveling? Let us know! When using your debit card out of state, the transaction may be flagged as unusual card activity, treated as potential fraud and declined for your protection. Notifying us of your travel plans before your trip lets us know you are in control of your card. You may notify us of travel plans by creating a travel notification within the Card Management section of your SMB Online banking or calling us at (800) 943-8488.