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Presidential Visa® Debit Cards

A convenient way to access your money – free with a personal checking account

A Presidential Visa® Debit Card, linked to your personal checking account, works like cash, only better. Accepted worldwide – wherever Visa® is accepted - debit cards offer quick, secure and convenient access to your money in person, online and over the phone. Your debit card is issued when you open your new Presidential personal checking account. If you currently have a checking account and would like to add a debit card simply fill out the application and take to a branch, scan and upload to secure email via the support link in Online Banking, or drop it in the mail to:


Presidential Bank, FSB
Attn: Debit Cards
4520 East West Highway
Bethesda, MD 20814

Your Presidential Visa® Debit Card includes some great features!

CardValet® for Personal Management

Get the mobile app that lets you control debit card usage and spending on the go. A lost or stolen card is just one area of concern in today’s world where Identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when you’re not using it helps safeguard against fraud. When your card is “off,” no withdrawals or purchases will be approved.

If you’re trying to establish or stick to a budget, CardValet® can help. Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. You can also establish these controls by location. The flexible app lets you change these parameters anytime with ease via your mobile device. Going on vacation? Holiday shopping? Simply update your transaction controls to fit your spending needs.

Transaction controls that allow your debit card to work only in specific locations or geographic areas add another layer of protection, and real-time alerts keep you informed when your card is used or declined.

Plus, you can monitor your finances from anywhere. Use the CardValet app to check your account balances.


Digital Wallet

Digital wallets make purchasing faster, easier and more secure. Your card info is encrypted, ensuring your info is private no matter where you shop. With a digital wallet on your mobile device, you can breeze through in-store or online checkouts – just tap and go! Just download or launch a participating Apple or Android app and add your Presidential Bank Visa Debit Card information to make fast and secure payments at millions of merchants worldwide.
Presidential Bank now offers the following digital wallets:

  • Apple Pay
  • Google Pay
  • Samsung Pay

For more information, please click here or contact us at email@presidential.com

Accepted Worldwide and Online for Exceptional Convenience

Presidential offers worldwide cash access to your account through Accel and Cirrus ATM networks and has partnered with Allpoint® and MoneyPass® to bring you over 88,000 surcharge-free ATMs giving you access at participating convenient retailers including Target, CVS, Walgreens, Kroger, CircleK, Winn Dixie, Speedway, Aplus at Sunoco, Costco, Safeway, and more. Additionally, Presidential ATM's are located in branch locations in the Washington, DC area. Hundreds of thousands of Accel and Cirrus ATMs are located around the United States and the world.

Find an ATM convenient to your work or home.

Accel ATM Networks

accel logo

Cirrus ATM locator

Cirrus logo

Unlike most other banks, Presidential does not charge our customers for any domestic ATM/Point of Sale usage. However, many ATM owners apply surcharges for using their ATMs. This surcharge will vary by ATM owner. But remember, Presidential has partnered with Allpoint and MoneyPass to bring you over 88,000 surcharge-free ATMs. It's easy to find a surcharge-free ATM, just Click Allpoint or MoneyPass to search for a surcharge-free ATM near you.

An International ATM-POS transaction fee (International ATM Cash Disbursement Fee or International Service Assessment Fee (ISA)) will be assessed for use of Visa International ATM or POS terminals (foreign transactions.)


Chip Technology for Extra Security

Presidential Visa® Debit Cards come with built-in chip technology for additional security and ease of use. When you use your card at a chip-activated terminal, the embedded chip creates a unique, one-time use code for each transaction making it more difficult to successfully counterfeit the card.

Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete.

If a merchant is not yet chip-activated, or accepts payment from a mobile reader, you can continue to swipe your card, select credit and sign for your purchase.

You can still use your card to get cash, check your balance and more. Simply insert the chip end of your card with the chip facing up. For chip enabled ATMs, your card will remain in the ATM until your transaction is complete.


Enhanced Protection with Fraud Monitoring

Your Presidential Bank Visa® Debit Card transactions are reviewed by the free fraud monitoring service which all card transactions for suspicious activity. If a potentially fraudulent transaction takes place, we’ll contact you to verify the transaction(s) and restrict additional transactions, if applicable, to prevent further fraud. All card transactions are monitored for:

  • Purchases outside your normal purchasing patterns
  • Purchases outside of normal time frames or geographical locations
  • Purchases previously identified as potential fraud trends
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A third-party fraud monitoring company may contact you on behalf of Presidential to verify transaction(s) to minimize potential fraud.

It is critical that you are contacted as quickly as possible to minimize potential fraud. The Fraud Detection Center will contact you using the telephone numbers on record. Two-way texting utilizes any available text-capable phone number on record to notify you of suspicious transactions. If there are no text-capable phone numbers on file, or we do not receive a reply to the text message, we will use the telephone numbers on record to contact you via voice message to verify the transactions. In the event we are unable to reach you, your card(s) may be blocked until the suspected transactions have been verified.

You may opt-out of text messages at any time by replying STOP to the text message received.

You Can Help Prevent Card Fraud

Protect your card by keeping it in a safe place and download and use the CardValet app for enhanced security.

Keep us up to date with your current mobile and home phone numbers to successfully reduce the number of unauthorized transactions when fraud does occur. You can update your telephone numbers by sending a secure email via the support link in Online Banking, mail the information to 4520 East-West Hwy, Bethesda, MD 20814, send a fax request to 301-951-3582 or visit a branch. Please provide your name(s), SSN or account number and telephone numbers associated with all account holders. If you are mailing or faxing a signature is required.

If you are traveling in the U.S. or to a foreign country, notify us in advance so that we can note when and where you will be traveling.

Sign the back of your Visa® Debit Card in permanent ink as soon as you receive it.

Be sure to actively review your account activity. Report any fraudulent or suspicious transactions to the bank immediately. Call your local branch or 1-800-383-6266 to review transactions in question or report fraud.

Review your transaction regularly. You are the best defense against fraud. Sign up for paperless statements and review your transactions online. Reviewing activity online is faster than waiting for statements in the mail.

When possible, use ATMs you are familiar with. Being familiar with the ATM you are using could alert you to skimming devices installed to obtain your card access data. When at an ATM, be aware of your surroundings, shield the ATM keypad when entering your PIN, and immediately secure your card and cash. Never write down or share your PIN.

Presidential will never call or email asking for your card number, PIN or online banking login. We already have your card information on file and no employee at the bank has access to your PIN or online banking password. If you receive emails asking to confirm your card information or online banking login, delete it.

If you are contacted regarding a suspicious transaction, you will be asked to authorize the transactions. You will not be asked for sensitive account or card information. If a message is left on your phone, please call the number provided immediately to review the transaction(s) in question. Non-confirmations or calls not confirmed could result in your card being blocked from further usage.

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Still have questions about your Presidential Bank Visa® Debit Card? These answers might help.

Can I make a deposit at any ATM?
ATM deposits are limited to Presidential Bank ATM machines. However, you can deposit checks with the online banking mobile app, in a branch or by mail.

How much can I withdraw or purchase with my Presidential Visa® Debit Card?
$550 per day for ATM cash withdrawals and up to $1,000 per day for Point of Sale (POS) purchases.

How do I access all of my personal accounts?
You can link multiple accounts to one card and access all your accounts at Presidential Bank ATMs. You can access your primary checking and primary savings accounts at non-Presidential Bank ATMs. Call the Customer Service Center at 800-383-6266 (M-F 8 am to 10 pm) to add existing accounts to your Card.

Click for more information and FAQs and be sure to read the cardholder agreement.

Last Modifications: 8/21/2023 10:52:58 AM