Debit Cards & ATM Cards

Not signed up yet for Midland's Debit Card Rewards program?
Click for more information and
get started earning reward points today!

Midland Debit Cards

Enjoy the Convenience of a Midland National Bank Debit CardMidland National Bank's MasterMoney debit card offers you the convenient alternative to writing checks. Accepted almost everywhere, your Midland Debit Card is fast and convenient and the money is deducted right from your checking account. Every purchase you make is itemized on your monthly checking account statement. And the best part is, with our UChoose Rewards Program, you earn reward points every time you make a "credit" purchase with your Midland Debit Card...with NO USAGE FEES!

Midland National Bank Debit Cards are:

  • FREE with all Midland Checking Accounts!
  • ACCEPTED at thousands of ATM's for instant cash
  • WELCOMED at millions of locations for purchases
  • FASTER than checks, SAFER than cash
  • PROTECTED by the eNFACT Fraud Detection System
  • The most CONVENIENT card you'll ever own!

Contact Customer Service to request more information about Midland National Bank

Earn Reward Points everytime you use your Midland Debit Card! 

Midland National Bank offers UChoose Rewards™, a debit card rewards program that allows our debit card users points by choosing the signature option when using their Midland debit cards. Our UChoose Rewards™ program is based on giving Midland debit card users a choice on where to shop and what to get when redeeming points! Click here for more information and to activate your Debit Card Rewards!

We may be calling you!

FraudbustersTo protect Midland customers, we monitor all ATM and Debit Card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we will be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card. The transaction validation process will work as follows:

  1. You will receive an automated call from one of the telephone numbers listed above identifying itself as “Midland National Bank”
  2. The automated caller will ask you to verify recent transaction activity on your debit card
  3. You will be able to respond via your touchtone keypad
  4. You will also be provided a toll-free number to call should you have additional questions or to speak with a service representative

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you quickly if potential fraud is detected, it is imperative that we have correct contact information for you in our systems. Please contact the bank as soon as possible if your contact information changes.

Please report lost, found or stolen debit cards immediately by calling 316-283-1700 or 800-554-8969 during non-office hours.

Midland ATM Cards

Midland's ATM card gives you 24-hour access to your money. You can use your card at any of our Midland-owned automated teller machines or at any ATM nationwide where you see the CIRRUS symbol. For our customers' convenience, Midland owns and operates several ATMs in Newton, North Newton and Hesston, Kansas.

And don't worry if you find yourself out of town and needing cash. With our “Three for FREE” ATM fee reimbursement program we'll pay you back for up to three foreign ATM fees per month!

A Quick Guide for Consumers on Credit, Debit, and Prepaid Cards

Credit Cards

Debit Cards

Prepaid Cards

What it is

A credit card is a loan.

A debit card is linked to your bank account and is issued by your bank.

There are a variety of prepaid cards, including "general purpose reloadable" (GPR) cards which carry a brand of a card network (such as Visa or MasterCard) and can be used where that brand is accepted. Payroll cards and gift cards are two other types of prepaid cards.

How it Works

When you borrow funds using a credit card, you must pay the money back. You may also have to pay interest if not paid in full. Credit cards may be especially useful if you want to pay for things when your bank account balance is low or to take advantage of a no-interest introductory period.

When you use a debit card, the money spent is taken directly from your bank account. Debit cards may be especially useful for small and routine purchases, but they are considered less beneficial than credit cards for major purchases or buying items online because of the more limited protections in cases of unauthorized transactions or disputes.

Prepaid cards, which generally allow consumers to spend only the money deposited onto them, can have a number of different features. For instance, some gift cards may be used only at a single merchant; most GPR cards may be used to pay for purchases and access cash at ATMs.

Consumer Protections Available

Liability for Unauthorized Transactions

Your liability for losses is limited to a maximum of $50 if your credit card is lost or stolen, although industry practices may further limit your losses.

The maximum liability is $50 if you notify the bank within two business days after discovering an unauthorized transaction. But if you notify your bank after those first two days, you could lose up to $500, or perhaps much more.

Liability depends on the type of funds on the card. If the card is a payroll card, then the liability rules are the same as for debit cards. But if the card is a general purpose reloadable card or a gift card, then there are no protections to limit your liability under federal law.


Credit card solicitations must disclose certain information, including the annual percentage rate (APR), variable rate, penalty rate, fees, and other transaction charges.

Banks must disclose any fees associated with using the debit card as well as its error resolution process.

Disclosures depend on the type of card. For example, payroll cards must disclose any fees and the error resolution process, but a GPR card does not have any disclosure requirements. In addition, gift cards must disclose the terms of dormancy fees, whether there is an expiration date, and any other associated fees.

Periodic Statements

Credit card issuers must provide a periodic statement for each billing cycle where the account balance is $1 or more at the end of that cycle or where interest has been charged.

Banks must provide a statement for each monthly cycle in which a transaction has occurred. If there have been no transactions, then a statement must be sent quarterly.

Payroll cards must provide either a periodic statement or account balance by telephone as well as electronic transaction history. GPR cards and gift cards do not have periodic statement requirements under federal law.

Change in Terms

Credit card issuers must provide 45 days notice before making significant changes to the account, such as the interest rate or fees charged.

Banks must provide 21 days notice before making changes to fees charged or the liability limits for unauthorized transactions.

Payroll cards must provide 21 days notice before making changes to fees charged or the liability limits for unauthorized transactions. GPR cards and gift cards are not required to do so under federal law.

Interest Rate and Fee Limits

Generally, credit card issuers cannot increase the annual percentage rate (APR) or fees within the first year of account opening (although there are some exceptions to this rule). Card issuers must also reevaluate any interest rate increase every 6 months.

There are no specific requirements related to debit cards.

GPR cards and gift cards have certain restrictions on dormancy fees charged. There are no specific requirements related to payroll cards under federal law.

Phishing Scams and Consumer Protections

Q.  I am worried that fraudsters may now call me since they might have my phone number

A.  Cardholders should be on high alert for suspicious calls. These calls are known as phishing calls.

Q.  What is phishing?

A.  Phishing refers to scams that attempt to trick consumers into revealing personal information, such as bank account numbers, passwords, payment card numbers, or Social Security numbers. These scams can be done by phone, email, regular mail and even via text message. In addition to seeking bank information, phishers may also try to obtain your ATM PIN or any other bits of data that can help them build a more complete profile from which they can operate in your name. Most commonly, phishers target unsuspecting users with fake Internet sites or email messages that look legitimate. This is sometimes referred to as "spoofing." Scammers also may leverage social networking sites, where users are already accustomed to sharing information with others.

Q. How does phishing work?

A.  Phishing emails and websites typically use familiar logos and graphics to deceive consumers into thinking the sender or website owner is a government agency, bank, retailer or other company they know or do business with. Sophisticated phishers may include misleading details, such as using the company CEO’s name in the email “from” field. Another common phishing tactic is to make a link in an email (and the fake website where it leads) appear legitimate by subtly misspelling URLs or changing the “.com” to “.biz” or another easily overlooked substitution. Some phishing scams even lure victims by telling them that their information has already been jeopardized. For example, potential victims may receive an email that appears to come from a major bank warning that their account has recently been exposed to fraudulent activity. Users are asked to click a link within the message so they can “confirm” their bank account information. Instead of going to the bank’s legitimate website, however, victims are taken to a clever lookalike, where their information actually is routed to the scammer. If you receive any message asking you to confirm account information that has been “stolen” or “lost” or encouraging you to reveal personal information in order to receive a prize, it may be a form of phishing. It's important for consumers to know that neither Midland National Bank nor MasterCard will ever call or e-mail cardholders to request their personal account information.

Q. How can I reduce my risk of phishing?

A.   Always view any phone or email requests for financial or other personal information with suspicion, particularly any "urgent" requests. When in doubt, do not provide any information without first verifying the legitimacy of the request by calling the number printed on the back of your card.

Q:  What can I do to ensure this doesn’t happen to me again?

A:  While we employ the latest systems and technology to monitor and prevent card fraud and merchants also take the necessary precautions to protect your card information, there are some practical steps you can take to help protect your card information:

  • Shop with merchants you know. If a deal seems too good to be true, it probably is.
  • Check your account statement promptly and immediately report any transactions that you don’t recognize.
  • Guard your card – don’t use it as collateral or give out your card number to someone calling on the phone, unless you initiated the call for a purchase.
  • Check your credit report at least annually to ensure its accuracy.

Q:  What should I do if I experience fraud on my account?

A:  Monitor your account – both your monthly statement and online – and let us know immediately if you see unauthorized purchases.

General Do's & Don'ts


  • Be on guard for phishing scams.
  • Shred all personal and financial information such as bills, bank statements, ATM receipts, and credit card offers before you throw it away.
  • Keep your personal documentation (e.g., birth certificate, Social Security card, etc.) and your bank and credit card records in a secure place.
  • Call the post office immediately if you are not receiving your mail. To get the personal information needed to use your identity, a thief can forge your signature and have your mail forwarded.
  • Be aware of your surroundings when entering your Personal Identification Number (PIN) at an ATM.
  • Limit the number of credit cards and other personal information that you carry in your wallet or purse.
  • Report lost or stolen credit cards immediately.
  • Cancel all inactive credit card accounts. Even when not being used, these accounts appear on your credit report, which is accessible to thieves. If you have applied for a credit card and have not received the card in a timely manner, immediately notify the appropriate financial institution.
  • Closely monitor the expiration dates on your credit cards. Contact the credit issuer if the replacement card is not received prior to your credit card's expiration date.
  • Sign all new credit cards upon receipt.
  • Review your credit reports annually.
  • Use passwords on your credit cards, bank accounts, and phone cards. Avoid using the obvious passwords – such as your mother's maiden name, your birth date, and the last four digits of your Social Security or phone number.
  • Match your credit card receipts against monthly bills to make sure there are no unauthorized charges.


  • Volunteer any personal information when you use your credit card.
  • Give your Social Security number, credit card number, or any bank account details over the phone unless you have initiated the call and know that the business that you are dealing with is reputable.
  • Leave receipts at ATMs, bank counters, or unattended gasoline pumps.
  • Leave envelopes containing your credit card payments or checks in your home mailbox for postal carrier pickup.
  • Record your Social Security number or passwords on paper and store them in your wallet or purse. Memorize your numbers and/or passwords.
  • Disclose bank account numbers, credit card account numbers, and other personal financial data on any web site or online service location, unless you receive a secured authentication key from your provider.


NOTICE: Midland National Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.

Online Banking

Login Personal Account Sign Up
Business Account Sign Up
View Demo
 Find us on Facebook