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Debit Cards & ATMs

Your Money When You Need It

Whether you’re buying in person, purchasing online or needing cash from an ATM, our personal ATM and debit cards make it simple. American Bank debit cards are accepted just like a credit card, but funds are drawn from your checking account and post in real time. This means processed transactions will reflect immediately in the available balance of your checking account.

(In the past, debit card transactions could have taken up to two days to show in your account. Some exceptions may still apply.)

Contact Information

Fraud Text Alerts

Fraud Text message alerts will notify you of any debit card activity that we feel may be suspicious. When you order a debit card and receive it, if you have provided us with your cell phone number, we can enroll you in fraud text alerts. You will receive a text message asking you to reply “Yes” if you’d like to be enrolled into this no cost service*, but a bank representative will call you to walk you through the process.

Moving forward, if there is a suspicious transaction on your account, you will receive a text message asking you to verify you are trying to make the purchase. If it is you, all you have to do is respond “Yes,” and the transaction will go through. If it’s not you, then respond “No,” and the transaction will be declined.

If the bank does not have your cell phone number and you’d like to be included in this service, please call us at 920-885-2700, and we’ll enroll you by verifying your identity and registering your cell phone number.

* Message and data rates may apply.

Additional Debit Card Benefits

  • Accepted wherever Visa is accepted, including stores, online and ATMs
  • Transaction details can be tracked on your monthly checking statement
  • 24-hour access to cash at over 32,000 ATMs nationwide when you use a MoneyPass network ATM

MoneyPass® ATM Network

Spend your money on fun, not fees, when you use your American Bank ATM or debit card at any MoneyPass ATM, the coast-to-coast, surcharge-free ATM network. There are more than 32,000 ATMs in the MoneyPass ATM Network!

  • Go to to find a MoneyPass ATM near you.
  • Don’t have an American Bank ATM card or debit card? Contact a personal banker at any of our full-service locations to apply for one today!

MoneyPass FAQ

What’s an ATM surcharge fee?

A surcharge fee is a fee that is charged to cardholders by the owner of an ATM. Surcharge fees may be as high as $5.00 per transaction at some ATMs! You can use your ATM and/or debit card from American Bank at MoneyPass ATMs to avoid paying a surcharge fee.

How do I know if I can use my ATM and/or debit card from American Bank surcharge-free at MoneyPass ATMs?

American Bank participates in the MoneyPass ATM Network for you to have surcharge-free access at MoneyPass ATMs. You will not be assessed a surcharge fee at any MoneyPass Network ATM.

Are there MoneyPass ATMs located outside of the United States?

MoneyPass surcharge-free ATMs are found only within the United States and Puerto Rico. To find a MoneyPass ATM near you, visit

I was charged a fee at an ATM that I believed to be a surcharge-free MoneyPass ATM. What can I do?

If you use your ATM and/or debit card from American Bank and were charged a fee at a MoneyPass ATM, please contact American Bank. To expedite the process, it is helpful to have the exact address, date and time of the ATM transaction — which should all be on the ATM receipt — when you contact us.

How can I install the MoneyPass Locator app on my smart phone?

Click the link on the MoneyPass home page or visit the Google Play store (for Android devices) or the Apple App store (for Apple devices). There you can search for MoneyPass and install the application on your phone at no charge. You can also access the MoneyPass mobile site through your mobile app from American Bank. Just log into your American Bank BD Mobile Banking app, click the “More” button on the bottom of the screen and tap the MoneyPass tile. This will take you to the MoneyPass mobile site.

Contact Information

For more information about the MoneyPass ATM Network, or an ATM or debit card from American Bank, contact a new accounts specialist at any of our full-service locations today.

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