Debit Card

Get the simplicity of checks and the convenience of credit with a MasterCard® debit card from Two Rivers Bank & Trust. Make purchases anywhere* and online like you would with a credit card and have the funds deducted automatically from your account.

You can also use it to access your account from any ATM*. And at the end of the month, you'll receive a detailed statement of all your purchases and debits to make balancing your budget easy!

Have an iPhone® 6? Coming soon – Apple Pay™!

Details in the tab below!

Debit Card
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  • Card issued free of charge
  • Accepted worldwide
  • Use it like a credit card
  • Get cash from any ATM*
  • Funds deducted automatically from checking
  • No monthly fees
  • More convenient than checks
  • Safer than cash
  • Track purchases easily

*Two Rivers Bank & Trust Debit Cards are accepted at any ATM displaying the MasterCard®, Cirrus® or Shazam® logo and anywhere that accepts MasterCard® Debit Cards


Why won't my card won't work?

Your card might not be working for several reasons. Take a look at the list below:

  • If you have received a new card in the mail, perhaps you have not activated it yet. You can do this by either calling 800-708-7119 or by using your card and new PIN at a Two Rivers Bank & Trust ATM.
  • If you have already done this, make sure you are using the new PIN that you received in the mail shortly after receiving the new debit card. If you have used the information on your PIN mailer to change it, the new number will not be activated until the following business day at 10:30A.M.
  • If you have done the steps above and your card is still not working, please contact us to let us know and we will help resolve the issue.

Can I keep the same PIN? Yes. There are two ways you can change your PIN.

1) At a Two Rivers Bank & Trust ATM by first using the new PIN and selecting the PIN change option on the screen.

2) By calling 866-501-7133 and using the 9-digit reference code located in the PIN mailer you received. These PIN updates occur at 10:30 a.m. each day.

I have all my mail forwarded, why wasn't my card? With debit card fraud on the rise, we've attached a high level of security to them by having them returned to the bank if we do not have a current address on file for you. We did not want to take the chance of having your card fall into the wrong hands. If you had a forwarding order on file at the post office, your PIN would have been forwarded.

Apple Pay™

You can soon use your Two Rivers Bank & Trust debit and credit cards with Apple Pay™, the easy, secure and private way to pay.

Use Apple Pay with iPhone® 6 to pay in stores without swiping your cards and in apps without entering payment and contact information. Just pay with a single touch of your finger using Touch ID™.

With Apple Pay, instead of using your actual debit and credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual debit or credit card numbers are never shared by Apple® with merchants or transmitted with payment.

In addition, paying with Apple Pay is private as the cashier never sees your name, card numbers, or security code.

For further questions as this new capability is rolled out, please contact us!

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.