Debit/ATM Cards

Convenient Access to Cash and Purchases

VISA ATM/Debit Card

With our VISA ATM and debit cards, you can purchase goods and services anywhere that Visa® Debit is accepted throughout the world. In addition, you will enjoy these benefits:

24-hour access to ATM’s worldwide.
Worldwide cash withdrawal
Transfer between checking and savings
Check your balance

ATM Locations

Onarga: Federated Bank on Seminary Street
Bradley: Federated Bank on Kinzie Avenue
Chebanse: Federated Bank on 1st North and Chestnut
Loda: Federated Bank on Oak Street
Braidwood: Federated Bank on Washington Street

Information About new Chip-Enabled Cards

Federated Bank is now issuing chip-enabled Visa credit and debit cards. These cards, also called chip cards, smart cards, or EMV cards, feature built-in chip technology. Benefits of these cards include global acceptance and an enhanced level of security.

Where can I use my chip card?

You can use your card at millions of places that accept Visa credit or debit cards, both locally and internationally.

How do I use my chip card at a chip-enabled terminal?

Instead of swiping your card, you will insert it face up, chip-end in to the chip-enabled terminal. You will leave your card in the terminal for the entire transaction and follow the screen prompts. This new process is known as dipping instead of swiping.

Can I still swipe my card to pay?

Yes. If a merchant is not yet equipped with chip-enabled technology, you can continue to swipe your card. Keep in mind, you may need to sign for your purchase.

Can I still use my card to pay for purchase online or over the phone?

Yes. Chip cards can be used just as you use your current cards for these types of purchases.

How does chip technology protect my information?

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

What if I have more questions about chip cards?

If you have more questions, stop by your local branch and we will be happy to talk with you.

Debit Card Protection with CardValet

Take control of your debit card anytime, anywhere with the CardValet app. Using your smartphone, you can quickly turn your card on or off if it is misplaced, helping prevent unauthorized transactions. When your card is found, simply turn it back on.

CardValet also allows you to:

Set spending limits
Receive real-time purchase alerts
Restrict card usage by location
Monitor activity and manage security preferences

These convenient features give you greater control, security, and peace of mind wherever life takes you.