Visa® Debit Cards

Use it everywhere Visa® is accepted.

No need to use cash or checks! Just present your chip-enabled debit card wherever Visa is accepted. Use it to pay for groceries, gas, clothes, dine out or get cash at an ATM.

The payment is automatically debited from your checking account, but with added security. A small computer chip embedded in your card adds a new layer of protection against unauthorized use and counterfeiting.

Information programmed into the chip is personalized for your account, and each transaction generates a unique code that can’t be used again. Plus, your chip card still has the magnetic stripe on the back for merchants not yet using chip-enabled terminals.

All transaction details are listed on your account statement for easy record keeping. With your chip-enabled Visa debit card, you’ll gain enhanced security, improved worldwide acceptance, and added protection when shopping online with Verified by Visa.

Using a chip card is easy:

  • Insert your card, face up and chip end into the chip-enabled terminal
  • Leave your card in the terminal during the entire transaction
  • Follow the instructions on the screen and either sign your name or enter your PIN as directed
  • Be sure to remove your card and take your receipt when the transaction is complete

For qualifying account holders.

Watch this two-minute video to learn more.

Zero Liability®

    Zero Liability applies to purchases in a store, over the phone, online, or via a mobile device. As a Visa cardholder, you will not be responsible in the event of unauthorized purchases using your lost or stolen Visa Debit Card.

    Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to any transactions not processed by Visa, or if you have been grossly negligent or engaged in fraud. If you have questions regarding zero liability coverage or you suspect unauthorized use of your card, contact Bank Forward IMMEDIATELY.

    If the conditions above are not met, you will not be covered by the Visa Zero Liability limitation and your liability may be limited by federal, state, or local law.

    Lost or Stolen Debit Card

    If your debit card is lost or stolen, IMMEDIATELY report your lost or stolen card by contacting your local Bank Forward branch during normal business hours or by calling 1-800-472-3272 after hours. If stolen, notify the police department as well.

    If you have the Card Control, also turn your card “off” if lost or stolen. When your card is “off,” no withdrawals or purchases will be approved. Real-time alerts keep you informed when your card is declined.

    Getting Cash at ATMs– Surcharge free

    When you use your Bank Forward debit card at our ATMs, no fees are charged and no action is required on your part. Cash withdrawals are also available without a surcharge on MoneyPass® Network ATMs. The MoneyPass Network offers over 25,000 surcharge-free ATMs across the nation for your convenience.

    To find the closest MoneyPass® Network site, search by address or zip code, or download the MoneyPass app from App StoreSM or Google PlayTM. You may also find the ATMs on the Bank Forward mobile banking app under “Locations”.

    For Forward Interest Checking account holders domestic ATM fees are automatically rebated with no receipt required.

    Verified by Visa®

    Verified by Visa lets you add an additional level of password protection to online transactions with participating merchants, all for no extra cost. Your transactions will be completed quickly and safely, with a password that only you know.

    Simply activate your card for this service in one of these ways:

    • Enroll online here.
    • You may enroll while shopping online at a participating merchant
    Verified by Visa

    Safety tips for using debit cards

    • Treat your card like cash, and keep it in a secure location.
    • Don’t lend your card or provide your account number to anyone.
    • If you use a PIN with your card, don’t write it on your card or keep it with your card.
    • Never let your card out of your sight, even while a transaction is being recorded.
    • Tear up your sales draft receipts before discarding them. Request the merchant does too.
    • Check monthly statements for accuracy and/or suspicious charges. Contact us immediately if there are any suspicious charges.
    • Keep records of all cards along with the phone numbers of each issuer.

    Visa is a registered trademark of Visa International Services Association.

    The mobile app is a free service to Bank Forward’s debit card holders. Standard charges from your cell phone provider may apply for text messaging or Mobile Web access.

    Credit Cards

    Visa® Credit Cards for Consumers

    Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

    No matter which card you choose, you’ll enjoy important features like:

    • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
    • Mobile purchasing capability for added convenience.
    • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
    • Cardmember Service available 24 hours a day/365 days per year.
    • Plus much more! Learn More

    Apply Now

    For Cardmember Service, visit My Account Access.

    Report lost or stolen cards, review balances, payments, transactions, make a payment, update address and phone numbers, request line increases

    Card Member Service

    • If your credit card is lost or stolen IMMEDIATELY report your lost or stolen* card. Consumer Credit Cards TF 800-558-3424
    • Business Credit Cards TF 866-552-8855
    • My Account Access *If stolen, notify the police department as well.

    *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

    The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    Prepaid Cards

    Bank Forward Visa® Gift Card

    Why not leave the buying decision in their hands? Visa Gift Cards offer the gift of choice – they can be used at millions of locations anywhere Visa debit cards are accepted within the United States. Plus, you can choose from a variety of card designs!

    A Visa Gift Card is the ideal choice because it is:

    • Convenient – use anywhere Visa debit cards are accepted within the United States
    • Flexible – shop in-store, online or by phone
    • Personal – choose your own card messaging for the personalized touch and choose from a variety of card designs
    • Accessible – check balances online or by phone

    Visa Gift Cards are perfect for any occasion. The possibilities are endless!

    Visa gift cards are issued by MetaBank® National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Purchase fee of $4.95. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.

    Bank Forward Reloadable Visa® Prepaid Card

    Looking for a handy, flexible solution for managing the money you have and the money you’re spending? Look no further than Visa Reloadable Cards – the safe, secure way to manage your funds – it’s not connected to your other accounts!

    A Visa Reloadable Card is the ideal choice because it is:

    • Reusable – reloadable for the life of the card
    • Convenient – easily load funds online, in-branch or via direct deposit
    • Secure – spend confidently online with a card unattached to any other accounts
    • Accessible – check balances online or by phone

    Visa Reloadable Cards are a great option – here’s why:

    • You can’t overspend – the card prevents over-the-limit expenses
    • You can waive the monthly fee – just set up a regular direct deposit
    • You have ATM access1 – check balances and withdraw funds worldwide
    • Your card is personalized – it’s embossed with your name
    • You have online/mobile capability – access information and reload at MyPrepaidBalance.com or with the MyPrepaidApp1.

    1Third-party fees may apply. Message and data rates may apply. Purchase fee of $9.95. See Terms and Conditions for details. Visa prepaid cards are issued by MetaBank N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.

    Bank Forward Travel Visa® Prepaid Card

    In search of a safe, secure alternative to traveler’s checks and cash while on vacation? The answer is a Visa Travel Card – it’s a convenient way to secure your travel funds and spend on the go – it’s not connected to your other accounts!

    A Visa Travel Card is the ideal choice because it is:

    • Reusable – reloadable for the life of the card and makes saving up for a trip a snap
    • Convenient – easily load funds online, in-branch or via direct deposit
    • Secure – spend worldwide with a card unattached to any other accounts

    Visa Travel Cards are a great option – here’s why:

    • There’s no monthly fee1 – just purchase and go
    • You can’t overspend – the card prevents over-the-limit expenses
    • You have ATM access2 – check balances and withdraw funds worldwide
    • It can be easily replaced – have a new card mailed to you in case of loss or theft3
    • You have online/mobile capability – access information and reload at MyPrepaidBalance.com or with the MyPrepaidApp2.

    1Other fees may apply. Purchase fee $9.95. Companion Card purchase fee $2.95. See Terms and Conditions for details.

    2Third-party fees may apply. Message and data rates may apply.

    3Lost/stolen replacement card fee of $5. Visa prepaid cards are issued by MetaBank® National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Use Visa Travel Card anywhere Visa debit cards are accepted.

    Card Control & Mobile Payments

    Our Card Control app gives you the power to monitor and manage your Bank Forward debit cards. With Card Control you have peace of mind knowing you can:

    • Get real-time notifications when your card is used
    • Easily lock and unlock your card when needed
    • Restrict transactions
    • Set security preferences and spending limits

    Click here to learn more about Card Control.

    The mobile app is a free service to Bank Forward’s debit card holders. Standard charges from your cell phone provider may apply for text messaging or Mobile Web access.

    Mobile Payments

    Make mobile payments with your Bank Forward Visa debit card using Apple Pay®. Google Pay®, and Samsung Pay™. Click here for more information.

    Safety tips for using debit cards

    • Treat your card like cash, and keep it in a secure location.
    • Don’t lend your card or provide your account number to anyone.
    • If you use a PIN with your card, don’t write it on your card or keep it with your card.
    • Never let your card out of your sight, even while a transaction is being recorded.
    • Tear up your sales draft receipts before discarding them. Request the merchant does too.
    • Check monthly statements for accuracy and/or suspicious charges. Contact us immediately if there are any suspicious charges.
    • Keep records of all cards along with the phone numbers of each issuer.

    Visa is a registered trademark of Visa International Incorporated.

    Lost/Stolen Cards

    Debit Card

    If your debit card is lost or stolen, IMMEDIATELY report your lost or stolen card by contacting your local Bank Forward branch during normal business hours or by calling 1-800-472-3272 after hours.

    If stolen, notify the police department as well.

    If you have the Card Control app, also turn your card “off” if lost or stolen. When your card is “off,” no withdrawals or purchases will be approved. Real-time alerts keep you informed when your card is declined.

    Credit Card

    For questions about your account, to report a Lost or Stolen Card or to Dispute a Credit Charge, contact Elan Financial Services 24-Hour Cardmember Service:

    • Consumer Credit Cards: 1-800-558-3424
    • Business Credit Cards: 1-866-552-8855
    • To monitor activity on your account, click My Account Access.

    If your credit card is lost or stolen, IMMEDIATELY report your lost or stolen* card by calling the appropriate Cardmember Service number listed above.

    *If stolen, notify the police department as well.

    ATMs

    Getting cash at ATMs

    When you use your Bank Forward debit card at our ATMs, no fees are charged and no action is required on your part. Cash withdrawals are also available without a surcharge on MoneyPass® Network ATMs. The MoneyPass® Network offers thousands of surcharge-free ATMs across the nation for your convenience.

    To find an ATM near you, visit the MoneyPass® Network site and search by address or zip code.

    For Forward Interest Checking Account Holders Domestic ATM fees are automatically rebated with no receipt required.

    Cash withdrawals from your Bank Forward debit card are available without a surcharge on the MoneyPass network. The MoneyPass Network offers thousands of surcharge-free ATMs across the nation for your convenience. When you use our ATMs, no fees are charged and no action is required on your part.

    Bank Forward ATM Locations

    BEMIDJI

    700 Paul Bunyan Dr NW
    Bemidji MN 56601
    Bank Forward drive-up lane

    CARRINGTON

    484 Main St
    Carrington ND 58421
    Bank Forward drive-up lane

    COOPERSTOWN

    802 Burrel Ave SW
    Cooperstown ND 58425
    Bank Forward drive-up lane

    FARGO

    5650 37th Ave S
    Fargo ND 58104
    Bank Forward drive-up lane

    GRAND FORKS

    4651 S Columbia Rd
    Grand Forks ND 58201
    Bank Forward drive-up lane

    JAMESTOWN

    400 2nd Ave SW
    Jamestown ND 58401
    Bank Forward drive-up lane

    NEW ROCKFORD

    6 8th St S
    New Rockford ND 58356
    Bank Forward drive-up lane

    VALLEY CITY

    430 W Main St
    Valley City ND 58072
    Bank Forward front entry

    WALKER

    106 6th St S
    Walker MN 56484
    Bank Forward front entry