Whether you’re grabbing coffee, paying bills, or shopping online, your Southern Bank Mastercard® Debit Card keeps your money accessible and protected—anywhere Mastercard® is accepted.
Everyday Convenience. Built-in Security.
Your Personal Southern Bank
Mastercard® Debit Card
What you get with your personal Southern Bank Debit Card:
- Use it anywhere Mastercard® is accepted worldwide and online.
- Free access to Card Center to turn your card on/off, set alerts, and manage your spending in real time.
- Digital Wallet-ready: Add your card to Apple Pay®, Google Pay™, or Samsung Pay for faster, contactless checkout.
- Use Southern Bank ATMs for free and skip the surcharge at thousands of MoneyPass® ATMs nationwide.
- Real-time fraud monitoring and EMV chip protection.
- Instant card replacement if your card is lost or stolen—just stop by a branch.
- 24/7 Mastercard Global Service™ for emergency assistance anywhere in the world.
Mastercard® Protection. Included, Always.
Every Southern Bank Mastercard® Debit Card includes built-in Mastercard® benefits at no extra cost:
Zero Liability Protection
You’re protected from unauthorized purchases—you won’t be held responsible for fraud when you report it promptly. Learn more at Mastercard Zero Liability .
Mastercard® ID Theft Protection™
Monitor your personal information online, receive alerts, and get help from identity resolution specialists 24/7. See Benefits Guide for full details. You must enroll at https://mastercardus.idprotectiononline.com/
Travel Perks Too
With Mastercard Airport Concierge™, get 15% off Meet & Greet services at over 700 airports worldwide, plus the option to expedite security or immigration in select locations. To reserve Mastercard Airport Concierge services visit https://airport.mastercard.com/en or consult your Travel Advisor.
See the Mastercard® Guide to Benefits for full details.
Personal Debit Card FAQ's
Ready to Activate?
If you’re a new cardholder, call the number on your card to activate. For help or to reorder a card, contact your local Southern Bank branch or call Customer Support.
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 . Inside online and mobile banking access Card Center and 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?
Planning international travel? Let us know in advance to help avoid any interruptions with your Southern Bank Mastercard® Debit Card.
Due to increased fraud risk, transactions in foreign countries are automatically restricted. To lift this restriction for your destination:
-
Log in to Online or Mobile Banking
, then select:
More > Card Center > Manage Travel Plans and follow the prompts, or - Call us at (877) 503-0527 , and we'll take care of it for you.
Updating your travel plans helps us ensure your card works while you’re away—and keeps your account protected from suspicious activity.