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Banking Services


Personal Cards

Reliabank Debit Cards

A debit card from Reliabank is a convenient way to make day-to-day purchases without the hassle of writing a check or carrying cash. When shopping with your debit card, funds are deducted from your available balance immediately.

  • Add a Debit MasterCard® for your personal or business checking account
  • Use worldwide at merchants and ATMs anywhere Debit MasterCard® is accepted
  • Shop online with a secure, PIN-protected card
  • Avoid fees with Surcharge-free ATMs * at Reliabank and any MoneyPass ATM
  • Lock and unlock your Reliabank debit card with CardValet® security, plus add spending controls

Lost Or Stolen Card Number

Lost or Stolen Debit Card? Call 1-800-472-3272


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If you would like to opt out of MasterCard's Automatic Billing Updater service, please fill out the MasterCard Automatic Billing Updater Service Opt Out request form.

Instant Issue Debit Cards

Don't want to wait for your new debit card to be sent in the mail? With our instant issue service*, we can have one made for you right at one of our designated branches, so you can quickly, easily, and securely access the funds in your account.

Open a new checking account and walk out that same day with your new debit card.

Was your debit card lost or stolen? Come into one of our locations and receive a new card instantly!

*Instant issue available same day at our Estelline, Watertown North, Watertown SW, Sioux Falls and Tea locations. Other locations may take 2-3 days via mail service.


Due to an increase in identity theft and fraud, it's important that you contact us first if you will be using your Reliabank debit card while traveling within the country or out of the country. We want to keep you safe, free of problems and make sure your cards work properly. Please contact your local Reliabank office.

Card Valet®

CardValet® for personal or business debit cards helps you take control of your debit card usage and your spending.

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Your card, on your terms.

  • Instantly lock cards if they go missing and unlock them when they are found
  • Increase safety by turning cards “off” when they aren’t in use
  • Establish parental controls to keep tabs on your child’s debit card
  • Set transaction controls by budget, category and location
  • Stay notified with real-time purchase alerts and set spending thresholds for spending categories by merchant type
  • Review your spending by checking account balance and recent transaction history
  • Link multiple cards simply by clicking on “Settings – Add Card” screen

Take control of your business account:

  • Use transaction controls by merchant code or location
  • Set spending limits by employee
  • Enjoy real-time account balance and transaction history review

Control Spending

Establish spending limits to allow transactions up to a certain dollar amount and decline transactions when amounts exceed pre-defined thresholds. Transactions can also be monitored or controlled for specific merchant categories such as gas, hotel, travel, restaurants, groceries or electronic stores.

Card on/off setting

When the card is "on," transactions are allowed in accordance with the usage control settings you've established. When the card is "off," no purchases or withdrawals are approved until the card is turned back "on." This control can be used to disable a lost or stolen card.

Location-based controls

Restrict transactions to merchants located within a certain range of your location (using your phone's GPS); transactions requested outside of the specified area can be declined.

Fraud protection

Report or restrict PIN and signature transactions, enabling you to manage, track and report specific types of transactions and quickly detect unauthorized activity.

Interactive alerts

Real-time alerts can be sent when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined.

Financial features

Conduct limited card-related transactions wherever you are, any time of the day, including real-time balance inquiries and locating ATMs.

CardValet is available for Apple iOS and Google Android devices. Apple is a registered trademark of Apple, Inc. Android is a registered trademark of Google, Inc.

CardValet is a trademark of Fiserv, Inc. or its affiliates and a service of Reliabank. Reliabank does not charge a fee for CardValet. However, third party message and data rates may apply from your wireless carrier. A supported mobile device is needed to use the Card Valet app.

Download Card Valet in the App Store or Google Play.

Download at the Apple Store Download at the Google Play Store

Credit Cards

Our VISA® Platinum Rewards credit card offers hometown convenience, worldwide acceptance and great benefits.

Card Type Purchase APR Balance Transfer APR Annual Fee
Platinum Rewards 9.99% - 19.99% variable APR based on your creditworthiness* 0% Intro APR for the first 12 billing cycles, 8.99%-18.99% variable APR after that* 3% fee on the amount transferred. Fee waived at account opening. None.*

  • Rates effective as of 04/03/20 are subject to change
  • No Annual Fee*
  • 0% Intro APR on Balance Transfers for the first 12 billing cycles*
  • Reward points for merchandise and travel
  • Tickets good on any airline with no blackout dates
  • Travel Accident Insurance**
  • Personal service from people you know
  • Auto Rental Collision Damage Waiver ***
  • View your account online at
  • Visa® cRewards earns you 1 point for every $1 in qualifying purchases. Visit for your reward options

*See the card application’s Important Disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

**Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

***To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.

Standard Issuer Statement

This card is issued by TCM Bank, N.A. Subject to credit approval.

Apply Online Now

Travel – Pre-paid Cards

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We offer options for travel, gift giving or reloadable cards.

  Gift Travel Reloadable
  • Easy to load
  • Fully transferable
  • Buy & Give
  • No cash access
  • Large/Personalized Orders shipped to the customer, shipping fee of $10 waived if 25+ cards.
  • Need to activate when received
  • Direct Deposit allows to save for upcoming trips
  • Can get cash from ATMs
  • Companion card available at time of purchase/same account/different card #
  • Check prepaid site for prohibited country list
  • Direct Deposit allows to save for upcoming trips
  • Can get cash from ATMs
  • Companion card available at time of purchase/same account/different card #
  • Check prepaid site for prohibited country list
  • Card can be personalized

Important tips for enjoying your card:

  • Sign your card & write your card number down in case of loss or theft
  • When your transaction is more than your balance, process as "split tender" to avoid declines
  • When eating at restaurants, renting a car, staying at hotels and paying at the pump at gas stations, a temporary hold on funds may be added to your transaction (they may add up to 20% to your amount with requesting authorization.
  • To support online and phone purchases, lost/stolen card replacement and the ability to monitor your card balance, register your card at
  • Check the "Helpful Information" tab on to learn more about your card!

Certain terms and fees apply. See your local Reliabank branch for full terms and conditions.

Apply for your Credit Card Today!

Business Cards

Reliabank VISA Business

Our Visa® Business cards let you track expenses, manage your finances online and earn extra rewards for business spending.

  • Enjoy a NO ANNUAL FEE card
  • 0% fixed introductory APR (annual percentage rate) for purchases and balance transfers for the first six months.

Platinum Edition

Receive our most competitive APR and use the card for all your business purchases. Whether it's office supplies or dinner with a client. VISA® has you covered.

Platinum Rewards

Make purchases and earn points for every qualifying net dollar you spend. Enjoy points when you order from an office supply store, rent a car or buy airline tickets. Redeem those points for merchandise and travel rewards.

Additional features:

  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Lost or Stolen Card Replacement
  • Fraud Monitoring
  • Identity Theft Assistance
  • ... and much more
Apply online!

Access your account online immediately by signing up at