A debit card is an electronic check/a plastic card that can be used to withdraw money electronically bank account or purchase /payment of goods where the payment is deducted directly from a checking or savings account
- Call 4455 or (250) 788-143-000
- Visit your nearest branch or apply online from the card page
- Select your PIN when you activate your card
- Call 4455 or (250) 788-143-000
- Visit a branch with instant issue capability or
- Change your PIN at a Commerce ATM (you must know your current PIN to change it
- The merchant authorizes the refund and sends the transaction information to its financial institution, either electronically or by phone.
- The merchant’s financial institution processes the refund transaction and credits your checking account. NOTE: Even if a return is made on the same day as the purchase, the credit may not be applied in real time and your daily spending limit may still be affected by that purchase.
Protect your debit card as well as the account number, expiration date and the PIN. "Even if you never lose possession of your card, someone who learns your account number, security code and PIN may be able to use that information to access your account and create counterfeit cards
While in many cases you are not responsible for unauthorized transactions (see federal protections described later), it can be a hassle resolving the situation. Here's how to avoid becoming a victim:
- Never write your PIN on or near your card. Memorize it instead.
- Don't give out bank account information over the phone or the Internet unless you have initiated the contact or you know the person is who he or she claims to be. For example, beware of deceptive calls or e-mails from crooks claiming to be from your bank asking you to "verify" (divulge) your account information "A true representative of your bank will never need to ask for your PIN because your bank already has your account information.
- Don't share your debit card PIN, security code and other account information with friends or relatives who aren't co-owners of your account. Likewise, never reveal this information to anyone.
- Take precautions at the checkout counter, ATM and gas pump. Always stand so that no one can see the keypad where you enter your PIN. At retail establishments, it's best to use do-it-yourself scanners. If you give your card to a clerk, be on guard against a dishonest employee who runs your card through two scanners instead of one. The second scanner could be capturing your account information to make a counterfeit card. In general, be alert for suspicious-looking devices that may be used to "skim" information from your card.
- If you use your debit card to shop online, consider extra precautions with your personal computer.
- Look at your bank statements as soon as they arrive. Or, better yet, review your account each week by phone or the Internet. Promptly report any discrepancy, such as a missing payment or an unauthorized transaction, to Bk. Your quick attention to the problem may help limit your liability and give law enforcement authorities a head start on stopping the thief.
- Insert your credit card at the Bk ATM
- Select change pin
- Once they ask you old pin Enter 0000
- Set your own 4 digit PIN.
- It is possible only with gold card holders so far
- You can get cash advances totaling up to 1million of credit limit.
- Go to the nearest branch
- Call 4455
- On your monthly statement sent in the mail
- Via your Online Banking account
- If possible, pay your balance in full to avoid interest charges.
- Making on-time payments of more than your minimum payment each month will reduce the overall amount of interest you pay.