Questions and Answers about Shazam®Chek MasterCard® Debit Card

What is a Shazam®Chek MasterCard® Debit Card?
A debit card is a plastic, encoded card that you can use to make purchases or get cash with the funds being automatically deducted from your State Bank of Delphos/Ottawa County Bank checking account.

Shazam®Chek is the “brand” of debit card we offer.  It essentially operates as an electronic paperless check.  It doubles as an ATM card for making cash withdrawals or transfers between your checking and savings account.  The card carries the MasterCard® logo so you can use it any place around the world that accepts MasterCard®.

Is Shazam®Chek a credit card?
No.  As a debit card, it automatically deducts purchases from your checking account rather than adding to the balance on a line of credit.

Why do I need one?
There are many reasons you should have a Shazam®Chek card:

  • Convenience
    • Have you ever been out of town and tried to write a check? 
    • Have you ever been in the check out line at a store only to realize you have used your last check? 
    • Have you ever wished your checkbook fit in your pocket? 

Using your debit card can solve all of these problems.

  • Safety
    Checks allow people to see your personal information: name, address, account number, etc.  By using your debit card, you protect that information
  • Cost Savings
    When you use your debit card, you aren’t using checks; so your check printing costs will be less.

What does it cost?
The card is free!  State Bank of Delphos/Ottawa County Bank does not charge fees in association with a Shazam®Chek card.  However, if you use your debit card at another bank’s ATM, that bank will probably charge you a transaction fee.

How do I keep track of purchases?
Each purchase will be detailed on your monthly statement.  Plus, merchants will give you a receipt for your purchases over $25 and ATMs will provide transaction receipts.  Be sure to record the receipts in your check register.

How do I use my Shazam®Chek card?
When making a purchase at a merchant location, present your card to the merchant.  You can use the card with your PIN as a debit transaction, or with your signature as a credit transaction.  Whether you use your PIN or signature, the funds will be withdrawn from your checking account.   For ATM transactions you must use your PIN number and follow the instructions on the terminal.

Do I pay interest or finance charges on my purchase?
No, because debit card purchases are posted to your checking account.  You are not making a credit purchase subject to finance charges.  The only fees may be those associated with your ATM usage.

What happens if I lose my Shazam®Chek card?
Contact us immediately at 785.523.4241 or toll free at 800.893.4404 during banking hours.  After banking hours, call Shazam directly at 800.383.8000 and ask them to “hotcard” your Shazam®Chek card. 

Are there any restrictions?
A daily limit of $500 is established for your debit card.  The daily limit is the total amount you may access in one day’s time for both purchases and cash withdrawals.  The limit protects you in case your card is lost or stolen. 

Also, be aware that if you reserve a hotel room (or other similar situation) with your Shazam®Chek card and a merchant processes an authorization to verify the card, even though that amount will not be deducted from your checking account, the authorization amount will count against your daily limit each day until the authorization is processed or cancelled.  For this reason, it is best to use a credit card to reserve a hotel room.

When purchasing goods or services on-line with your debit card, understand that you have no recourse if the goods or services you purchase are not to your liking or don’t arrive in tact.  For this reason it is best practice to use a credit card rather than your debit card when making on-line purchases.

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