Mastercard® Debit Card Services

Your debit card has benefits.

You’re in control with the Southern Bank Mastercard® debit card. Use it anywhere Mastercard® debit cards are accepted worldwide, including millions of retailers, online or over the phone. You can also use your Southern Bank Mastercard® to get cash without a fee at any Southern Bank ATM or ITM.

Paying with Digital Wallet


Convenient purchasing power.

From coffee to lunch, you can use your card at your favorite retailers and restaurants. So it's perfect for those purchases you make every day.

  • Fast, free, and easy to use
  • Enhanced Security Chip Cards
  • Free access to Card Center
  • Make purchases virtually anywhere, worldwide
  • Funds come from your linked checking account
  • Safer than carrying cash
  • More convenient and safer than checks
  • Eliminate the cost of purchasing checks
  • Easily replaced if lost or stolen

Make sure to take advantage of these preferred cardholder services offered by Mastercard®:

  • Mastercard® Global Service™
  • Mastercard® Airport Concierge™
  • Mastercard® ID Theft Protection™ (enrollment required)

Download the Mastercard® Guide to Benefits for full details.

Lost or Stolen Card?

If your debit card has been lost or stolen (or there are unauthorized charges on your card), please contact us immediately at (877) 503-0527. If you are using Card Center, turn your card off immediately to prevent unauthorized use of your card.

Transaction Disputes?

Notify us if you believe there are incorrect charges on your account within 60 days of when we send you the statement that shows the error. You can open a dispute by calling us at (877) 503-0527. A customer service representative will connect you with our Cardholder Services Department. If it is after business hours please follow the voice response options to be connected to Cardholder Services. Please note, only posted transactions can be disputed; pending charges are temporary and may change.

We recommend contacting the merchant prior to initiating a dispute. Merchants can typically answer your questions and resolve the dispute much faster than the bank. The merchant’s phone number may be located on your receipt or billing statement.

Before you open a dispute, please gather the necessary documentation. For example:

  • Receipt of purchase
  • Proof of return
  • Date and time you contacted the merchant
  • Name of the person you interacted with
  • Any other information that may help us resolve your dispute.

Our Cardholder Services team will research the transaction with the merchant and its bank. We will notify you in writing of the results of the investigation. We process disputes according to the billing error procedures that are governed by federal law.

Traveling Abroad?

Tell us your travel plans to help us better monitor your Southern Bank Mastercard® Debit Card. By notifying Southern Bank before you leave, you reduce the chance of your debit card being restricted for suspicious activity. Due to increased fraud risk, Southern Bank currently restricts all transactions to foreign countries. To have this restriction removed for a specific country please contact us at (877) 503-0527