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The Bank of Missouri Debit Cards

The Bank of Missouri Debit Cards

The Bank of Missouri Debit MasterCard® gives you the convenience and protection you deserve—and benefits that can help you get more out of life.  Because it’s a debit card, you’ll have safe and easy access to your money. So it’s like having cash, but better.

» Make purchases anywhere Debit MasterCard® is accepted around the globe at more than 34 million locations—in stores, online, and over the phone

» Track and monitor payments for better budgeting and control

» Free at Bank of Missouri ATMs*


New Debit Card Features



MoneyPassTM ATM Network

The MoneyPass Network offers tens of thousands of ATMs coast-to-coast, located where you live, work and travel that you can use fee-free. Tired of paying ATM withdrawal fees? Now you can access your Bank of Missouri account at over 24,000 ATMs nationwide through the MoneyPass Network.

Learn More



smsGuardianTM Debit Card Text Alerts

Sign up for debit card text alerts now to protect yourself from fraudulent purchases. It's fast, easy and totally free to enroll.  smsGuardianTM adds another layer of security to help protect your accounts. Receive text notifications for debit card transactions to prevent unauthorized charges.

Sign Up




Extended Warranty Insurance3
Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty for a maximum of one year.

Price Protection3
If you find a lower price within 120 days of purchase, Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.

Satisfaction Guarantee3
Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.




Identity Theft Resolution Services
Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.1


MasterCard Global Service™
Provides around-the-clock customer service for all of your account-related questions.

MasterCard Zero Liability2
Protects you against unauthorized purchases on your card should your card be lost or stolen.


Fraud Protection
All debit cards are protected by The Bank of Missouri's Fraud Protection Program. Learn more

The Bank of Missouri Debit Card Protection



Better financial control than cash
Purchase amounts are deducted from your checking account so you know exactly what you have available to spend.

Ability to track spending easily
Use your monthly checking account statement or your bank’s online banking service to view your account statement for easy and fast record keeping.

Automatic bill payment
You can set up automatic payments of bills like utilities or rent, so what needs to get paid gets paid—on time, every time.


24/7 Online Banking



Your Bank of Missouri ATM/Debit card is accepted at any business displaying the MasterCard® symbol and also serves as an ATM card.

The ATM/Debit card is not a credit card. Transactions are deducted from your Bank of Missouri checking account.  If you are planning to use your card outside the United States, please contact a customer service representative at any Bank of Missouri location. Special steps are required to assure that your card will be accepted as you travel.

How to Activate Your New Debit Card


How to Change Your PIN:

A PIN (Personal Identification Number) is required to use an ATM/Debit Card at the ATM or at a merchant for a PIN-based transaction.  PINs are automatically generated when you order a new card, but they are mailed separately.  You will receive the new card and the PIN arrives within a few days.

Changing a PIN

You may change your PIN to a personalized number at any Bank of Missouri ATM by following these steps:

  • Insert the card into the ATM
  • Enter the PIN that was originally assigned to the card
  • Select the "Deposits/Other" option
  • Select the "Other" option
  • Select the "Change PIN" option
  • Enter a personalized 4-digit PIN
  • Re-enter the new 4-digit PIN
  • You are encouraged to do a balance inquiry before leaving to ensure the PIN was changed.



Still need help? Visit the Online Help Center

Debit Card Photo

ATM/Debit Card Services:

Find the nearest ATM


Lost or Stolen Card?

Call 888-547-6541 or login to Online Banking and go to Options > ATM/Debit and select Lost/Stolen for the appropriate card.


*Fees from bank administering the cash may apply. Card issue/replacement/PIN change fees may apply.
1 Certain terms, conditions, and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MC-ASSIST (1-800-622-7747) for assistance.
2 Certain restrictions apply. Please see for more details.
3 Certain restrictions, terms, and conditions apply. Contact 888.547.6541 or 1-800-MasterCard for full details.

MasterCard Complete Guide to Benefits for Debit Cardholders (PDF Download)