Q: What is the Kish Check Card? A: A Kish Check Card is like an electronic check. It accesses the funds in your checking account, and can be used anywhere MasterCard® is accepted. The Kish Check Card is a more convenient way to make purchases, as opposed to writing checks. Your Check Card can also be used at ATMs to access your checking account.
Q: What is a Kish ATM Card? A: A Kish ATM card can be used at any ATM on the STAR network to access your checking or savings accounts.
Q: Does the MasterCard® logo mean that the Kish Check Card is a credit card? A: No, the Kish Check Card does not work like a credit card. Instead of receiving a monthly bill, funds are directly withdrawn from your checking account when you use the card. The MasterCard® logo is printed on the card because the card can be used anywhere MasterCard is accepted.
Q: Does the Kish Check/ATM Card have an annual fee or any transaction fees? A: There is no annual fee to have a Kish Check or ATM Card. Transaction fees are dependent on the type of account you have. If you need further details on any possible fees for using your Kish Check or ATM Card, please contact Kish Bank or view the Account Services and Fees disclosure.
Q: How do I activate my Kish Check/ATM Card? A: To activate your Kish Check/ATM Card, call 1-888-333-5474, dial option 7 for Card Services, and then dial option 1 to activate you card. If this is a new card (not a replacement of an expiring card), you will also need to provide the PIN that was mailed to you separately.
Q: What accounts can I access with my Kish Check/ATM Card? A: Checking and savings accounts can be accessed using your Kish Check/ATM Card.
Q: How do I keep track of the purchases I make with my Kish Check/ATM Card? A: It is important that you keep track of any card transactions, just as you would track any checks written. Write down your transactions on your check register at the time of the transaction.
Q: Does the Kish Check/ATM Card have any purchases or cash withdrawal limits? A: Each type of Kish Bank account has varying daily limits for purchase and cash withdrawals. If you have questions on your limits or need to have them temporarily increased, please call your local Kish Bank branch.
Q: What happens if I return an item that was purchased with my Kish Check Card? A: Each store may have different rules on returning items that were purchased with a Kish Check Card, however, the most common method is that if the item was purchased using a PIN, you will receive cash back when you make the return. If the item was purchased and you signed the receipt (as a credit transaction), then you will receive a refund to your checking account in the timeframe established by the merchant.
Q: What should I do if I think there is an error on a transaction made with my Kish Check/ATM Card? A: The first step to take if you identify a possible error is to contact the merchant or place that withdrew the money. If they are unable to make the correction, then please stop by your local Kish Bank branch in order to take next steps towards resolution.
Q: What should I do if my Kish Bank Check/ATM card is lost or stolen? A: It is very important that you alert Kish Bank of a lost or stolen card as soon as you discover the card is missing. If it is during normal banking hours, call your local Kish Bank office. If it is during non-banking hours and you have the card number documented, call 1-888-333-5474, and then dial option 7 and then 2 to report the card lost or stolen. If it is during non-banking hours you do not have the card number, please call 1-800-236-2442.
Q: What is the fee to use a non-Kish ATM? A: If you use a non-Kish Bank ATM to perform a transaction, there may be a $2.00 fee per transaction from Kish Bank. Most Kish Bank checking accounts allow a certain number of free non-Kish ATM transactions per month. Click here to view checking account information. The other bank may also charge a fee for using their ATM.
Q: What should I do to replace a lost, stolen, or damaged Kish Check/ATM Card? A: If you need to replace a Kish Check/ATM Card, please stop by any local Kish Bank branch to sign an application for replacement.
Q: Can I use my Kish Check/ATM Card outside of the United States? A: Yes, Kish Check/ATM Cards can be used worldwide, as long as the terminal you are using supports the use of our card types. If you will be traveling, be sure to call Kish Bank so we can note that you may be using your card in uncharacteristic locations to avoid having your card flagged as having potentially fraudulent transactions.
Q: My Kish Check/ATM Card is going to expire soon. Do I need to do anything? A: If the expiration date of your card is nearing, you will automatically be issued a new card with the same card number and PIN that is associated to your existing card. You should receive your new card approximately 2–3 weeks prior to the expiration date. When your new card is received, you will be required to activate it by following the instructions that come with your new card.
Q: How do I obtain a Personal Identification (PIN) or change my existing PIN? A: If you wish to change your PIN, call 1-888-333-5474, dial option 7, and then dial option 3. You will be prompted to enter the existing PIN and then the new PIN. If you have misplaced or forgotten your PIN, please contact any Kish Bank branch and a new PIN can be issued.