Debit Card FAQ

By January 29, 2000August 30th, 2023Debit Card FAQ

What ATMs can I access without a fee?

You have Free unlimited Capitol Bank ATM transactions up to your available balance. Non-Capitol Bank ATMs may charge a usage fee. To view a list of “No Fee” ATMs, click here or visit:

How do I activate my debit card?

By calling 1.800.567.3451. Please make sure to have your new card on hand when making the call. Once you’ve entered your information, you’ll be prompted to choose a pin number. If you have problems activating your card, please call Capitol Bank at 608.836.1616 for further assistance.

What if I forget my PIN?

You can change your pin by calling 1.800.567.3451. You may also re-PIN your card in person at either location.

What if my purchase exceeds my daily limit?

If you have questions on your daily limit or your transaction exceeds the daily limit, please call Deposit Operations at 608.836.1616. You may also request a lower daily limit to reduce exposure to risk.

What if my card is lost/stolen?

Contact Capitol Bank at 608.836.1616 immediately. If it’s after hours, please call 1.800.554.8969 to cancel your card immediately. You will still need to contact the Bank to have a new card issued.

What if my card is damaged?

Contact Capitol Bank at 608.836.1616 or stop by the Madison location for a replacement card.

Do I need to notify the Bank if I’m traveling outside of Wisconsin?

Due to increased fraud risk for out of state transactions, our Fraud Prevention Center may try to contact you. Please be sure to have your contact information up to date so you may be reached to confirm a transaction.

I’m traveling internationally; can I still use my debit card?

You absolutely can, but only after contacting Capitol Bank. You must alert the Bank prior to travel in order to allow transactions to process. Please call the Bank at 608.836.1616 to discuss your travel plans or click here to complete the online travel form.

What is this computer chip on my card?

This tiny chip protects you from fraud by creating a one-time use code for each chip transaction. This code is virtually impossible to counterfeit and helps reduce in-store fraud. You can learn more by downloading this informative PDF.

How does chip technology protect my information?

Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

What should I do with my existing Capitol Bank Visa Debit Card?

Once you activate your new card, please destroy your existing card for security reasons.

Where can I use my chip card?

You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.

Can I still swipe my card to pay?

Yes. If a merchant is not yet chip-activated, simply swipe your card and enter your PIN.

Does my chip card work at the ATM?

Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

Will I have to pay any fees to use my chip card?

No. There are no additional fees to use your new debit card.

Why is my debit card transaction being denied when I know I have the funds?

With the increasing occurrence of national retail/merchant data breaches, we take fraud prevention very seriously and want to ensure you are protected.
Capitol Bank uses a third party service to monitor debit card transactions. Our Fraud Prevention Center monitors all transactions and gives them a score based on complex algorithms that are built into the service (taking into consideration the merchant type, recent fraud trends, dollar amount, frequency and many other attributes of the transaction). Fortunately, the service is able to track trends, so it can predict the types of transactions that are within your normal pattern.

Only transactions with high scores trigger a phone call and could potentially lead to a transaction being denied. If the Fraud prevention Center is unable to reach you to verify a transaction, your debit card may be temporarily restricted. To prevent your card from a restricted status: answer the phone call and keep your contact information up-to-date so Capitol Bank or our Fraud Prevention Center may reach you.
Call 1.800.262.2024 to reach the Fraud Prevention Center. You will be asked for a case number. If you do not have this, stay on the line for a Fraud Prevention Representative.

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