Instant Debit Cards

No more waiting for a card to be received in the mail. Your PCB debit card is given to you at your account opening and can be used immediately. 

  • Quick and easy purchase power
  • Safer than cash or checks
  • Use as an ATM card anywhere

Connect your Debit Card to Apple Pay or Google Pay
Apple Pay® and Google Pay® are a convenient way to pay with your PCB debit card. You can simplify the way you shop by adding your PCB debit card to the Wallet app. Now you can easily check out at many of your favorite retailers with just the touch of your finger.

Shopping Made Simple

•By adding your card to Apple Pay or Google Pay, there’s no need to reach for your wallet when making purchases in-store or online. You can make purchases quickly and easily within many of your favorite mobile apps that include the new feature.

•Best of all, with Apple Pay and Google Pay you still get all the rewards, benefits and protection your PCB debit card already provides.

•When you make a purchase using Apple Pay or Google Pay, all transactions are monitored by the same PCB security & privacy that protects your PCB debit card.

•Debit card numbers are not stored on your device and never shared with the merchant.

•Apple Pay and Google Pay are accepted in more than a million stores. 

FAQs with your PCB Debit Card and Online Shopping
Q: How are my online purchases secured with Mastercard?
A: Mastercard has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your card. There’s no need to download anything, install software, or register. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protect you from fraud.

Q: What is the benefit?
A: Through this program, you have an added layer of protection that helps to prevent the unauthorized use of your card while shopping online. This service helps us know you’re really you and most importantly it protects you from fraud.
Q: How will I know if my online purchase has this added layer of protection?
A: This service automatically works at checkout with participating merchants. Remember, there is no need to download anything, install software, or register your account to get this added layer of protection.

Q: What if I have an issue using my PCB debit Card to make an online purchase?
A: Contact Phelps County Bank at 800-667-5202. 

Terms and Conditions for Adding Your PCB Card to a Digital Wallet

These Terms and Conditions (Terms) for adding your Phelps County Bank debit card (PCB card) to a digital storage system (digital wallet) apply when you choose to add a PCB card virtually to a digital wallet.  In these Terms, you and your refer to any person that seeks to add a PCB card to any digital wallet, and we, us, our, and Phelps County Bank (the Bank) refer to the issuer of your PCB card.  When you add a PCB card to a digital wallet, you agree to these Terms.

Adding your PCB Card

You can add an eligible PCB card to the digital wallet by following the instructions of the digital wallet provider. Only PCB cards that we indicate are eligible can be added to the digital wallet. If your PCB card or underlying account is not in good standing, that PCB card will not be eligible to enroll in the digital wallet. When you add a PCB card to the digital wallet, the digital wallet allows you to use the PCB card to enter into transactions where the digital wallet is accepted. The digital wallet may not be accepted at all places where your PCB card is accepted.

Your PCB Card Terms Do Not Change

The terms and account agreement that govern your PCB card do not change when you add your PCB card to the digital wallet. The digital wallet is simply provided as another way for you to make purchases with the PCB card. Any applicable interest, fees and charges that apply to your PCB card will also apply when you use the digital wallet to access your PCB card. The Bank does not charge you any additional fees for adding your PCB card to the digital wallet or using your PCB card in the digital wallet. The digital wallet provider and other third parties such as wireless companies or data service providers may charge you fees.

PCB is Not Responsible for the Digital Wallet

PCB is not the provider of the digital wallet, and we are not responsible for providing the digital wallet service to you. We are only responsible for supplying information securely to the digital wallet provider to allow usage of the PCB card in the digital wallet. We are not responsible for any failure of the digital wallet, or the inability to use the digital wallet for any transaction. We are not responsible for the performance or non-performance of the digital wallet provider or any other third parties regarding any agreement you enter into with the digital wallet provider or associated third party relationships that may impact your use of the digital wallet.


Any limits we place on the frequency or dollar amount of your PCB card transactions will also apply to digital wallet transactions. 

Contacting You Electronically and by Email

You consent to receive electronic communications from us in connection with your PCB card and the digital wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Bank account. It may include contract from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.

Removing Your PCB card from the Digital Wallet

You should contact the digital wallet provider on how to remove a PCB card from the digital wallet. We can also block a PCB card in the digital wallet from purchases at any time.

Governing Law and Disputes

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which you PCB card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your PCB card agreement.

Ending or Changing these Terms; Assignments

We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these Terms, but you can terminate these Terms at any time by removing all PCB cards from the digital wallet. You may not assign these Terms.


Your privacy and the security of your information are important to us. The Bank’s Privacy Policy (available online at Notice.pdf) applies to your use of your PCB card in the digital wallet. You agree that we may share your information with the digital wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your PCB card transactions, and to improve our ability to offer these services. This information helps us to add your PCB card to the digital wallet and to maintain the digital wallet. We do not control the privacy and security of your information that may be held by the digital wallet provider, and that is governed by the privacy policy given to you by the digital wallet provider.


We can provide notices to you concerning these Terms and your use of a PCB card in the digital wallet by posting the material on our website, through electronic notices given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: (800) 667-5202.


If you have any questions, disputes, or complaints about the digital wallet, contact the digital wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your PCB card, contact us at: (800) 667-5202.