We have transitioned to a newly designed debit card for all customers. This page is to provide you with a resource as you get acclimated with your new card.
Your new debit card has a new card number and expiration date, as well as enhanced features. As you get acclimated with your new card, we will have extended hours for you to call us and ask any questions you may have. We are happy to assist you!
Simply tap your card at checkout and you’re done! When using Tap to Pay, there’s no inserting your card or entering a PIN for purchases. It’s the same secure technology you love in your smartphone, now built right into your card. Perfect for coffee runs, quick errands, and when you’re juggling bags (or kids!).
Your new card works seamlessly with enhanced features in our mobile app and online banking:
Your safety is our priority. Your new card includes:
Visit any branch for an instant-issue card* printed while you wait (fastest option), or we can mail a replacement card to you at no charge (arrives in 7-10 business days). You can no longer use your old card.
*Instant-issue cards not available for business debit cards.
Visit any branch for an instant-issue card* printed while you wait, or we can mail a replacement card to you at no charge. There is no fee for a replacement card in this situation.
*Instant-issue cards not available for business debit cards.
Call (800) 290-7893 to activate your card. You’ll need:
Please contact the Card Services Department at (270) 547-2292 and we will help you activate the card. In some cases, we may need to make adjustments to your account profile before activation can be completed. Our team will walk you through the process and resolve any issues quickly.
Yes. You will receive a new card number. This is why you must update any recurring payments.
Yes. You will set your new PIN during the activation process.
Absolutely. This only affects your debit card. Your account, direct deposits, account number and routing number do not change.
It will be declined. You must use your new card.
Log into each service’s website or app and update your payment information with your new card number and expiration date. Most services have a “Payment Methods” or “Billing” section in settings.
No. Direct deposits are linked to your account number and routing number, not your debit card. They will continue automatically.
ACH automatic payments linked to your account (like mortgage, utilities) will continue normally. Only merchants who store your physical card information need updates.
No. You can continue using current payment methods. Tap to Pay is an additional feature and not required for use.
Anywhere you see the contactless payment symbol at checkout. Most major retailers, restaurants, gas stations and grocery stores now accept it.
Mobile card controls let you manage your card from our mobile app. Download the RCB Go app, log in, and go to “Card Controls” to turn your card on/off, set spending alerts, get real-time notifications and set transaction limits.
Yes. Once you activate your new card, you’ll need to add it to your digital wallet again since the card number has changed.
Mastercard Zero Liability Protection means you won’t be held responsible for unauthorized purchases on your debit card when you report them promptly. This protection applies to most fraudulent transactions, including online fraud, card-not-present transactions, and counterfeit cards. Zero Liability does not apply to business card accounts or certain PIN-based transactions. You must report unauthorized transactions within the timeframes specified in your EFT Agreement to maintain full protection. See your EFT Agreement for complete details.
It’s important to review your statements regularly and report any unauthorized transactions immediately. Under federal law and your EFT Agreement, your liability may be limited to $50 if you report within 2 business days of discovering the loss or theft, or up to $500 if you report within 60 days. Report unauthorized transactions as soon as you notice them to ensure you have maximum protection.
Mastercard Zero Liability Protection typically does not apply to business card accounts. Please contact us for information about fraud protection on business accounts.
Helpful downloads and information:
Thank you for banking with us! This upgrade brings you the modern features and security you deserve. Questions? We’re here to help!
