Ozark Bank Debit Card Benefits

All purchases and/or ATM transactions are electronically deducted from your checking account, just as though you had written a check, and are then listed on your monthly checking statement.


Ozark Bank Consumer Debit Card          Ozark Bank Business Debit Card

       Business Debit Card                         Consumer Business Card


How to get a debit card

Come in to any of our four branches and fill out a quick application.  Your card will be mailed within 3-5 business days.


You can activate your new card in one of three ways

  • Call 866-590-4793 to activate your card over the phone.
  • Use it for a PIN-based transaction at an ATM.
  • Use it for a PIN-based transaction at any merchant.



$1,300 per day of which $510 can be used at an ATM.  Call (417)581-2321 during business hours to request a higher temporary limit approval.


To change your PIN

Now you can change your PIN from home!

  • Just call our customer service department during business hours at (417)581-2220.
    • Ask for an EasyPIN reference number. 
  • Once you get this 8 digit number, call Shazam at 1(855)EASYPIN (327-9746)
    • When prompted, enter the last 4 digits of your card number and press #
      • If correct, press 1 when prompted
    • When prompted, enter the 8 digit EasyPIN reference number you received from our customer service department
      • If correct, press 1 when prompted
    • When prompted, choose your new four digit PIN and press #
      • Confirm the PIN by re-entering the four digit PIN again and pressing #
    • The system will read off a confirmation number for this transaction.  Recording this number is optional.



If Your Ozark Bank Card is Lost or Stolen

If your ATM, debit card or credit card is lost, stolen or compromised, report it immediately.

During Bank Hours:
From 8:00 AM to 5:00 PM on weekdays, report lost or stolen cards at (417)581-2321.

Outside of Normal Bank Hours:

Report a lost or stolen ATM or debit card at (800)383-8000.

Report a lost or stolen credit card at (800)821-5184.

Learn how to protect your identity


Did you receive a call from our fraud monitoring service, Falcon?

If you receive a call from Falcon, this means there is a possibility fraudulent items have been attempted on your account. Falcon will attempt to contact you to verify the transaction is yours. This allows us to reduce, or even prevent, fraudulent items posting to your account. Neither Falcon, nor we, will ever ask you to verify your card number, secure code, or card expiration date. If you cannot be reached, a simple temporary block will be placed on your card to prevent further exposure until you establish contact.


Are you traveling soon? Follow these debit card tips to ensure smooth sailing.

Travel Notes

Contact us prior to departing. We will place a travel notification on your card to note where and when we should expect to see your activity abroad. Our fraud monitoring service will disregard most fraud alerts if they see the activity is occuring at your destination.

International Travel Tips

Some countries have a higher rate of fraud originating from them than others. In order to reduce the exposure to this international fraud, we will not honor authorization requests from the countries listed below:

  • Canada
  • Congo
  • India
  • United Kingdom
  • France
  • Mexico
  • Spain
  • Syria
  • United Arab Emirates

Please consider this when planning travel to these countries.

Always have a "Plan B"

  • Always carry multiple forms of payment when traveling abroad. You don't want to be stuck far from home with limited or no access to your funds.
  • If you do have more than one form of payment, make sure to store them separately. If something gets lost or stolen, you will still have your backup method of payment.


How do I use EMV chip cards?

A chip card is the same size, shape and weight as your current debit card. The main differences you’ll notice include a chip on the front of the card, and the card will need to be inserted in the store or ATM terminal to be read. Chip cards will also have a magnetic stripe on the back, for the foreseeable future. You may need to use one or the other, depending on the situation, during the lengthy U.S. transition period. It’s important to understand that your card will work, it just needs to be used correctly.

Physically, the purchasing process will feel the same as it does now, except your card is inserted and left in the chip-enabled terminal while your transaction processes, rather than being swiped through the debit card reader. A chip-enabled terminal looks almost identical to the terminals you use today when you swipe your cards, but in addition to the magnetic stripe reader, chip card terminals have a slot on the front where you’ll insert and leave your card while your transaction processes.



On the Go and In the Know

Make sure to enroll in Ozark Bank Mobile and Text Banking, so you can have quick and easy on-the-go access to account balances, transaction history, transfers, Bill Pay and Mobile Deposit.

Also enroll in Shazam BOLT$ to receive transaction alerts based on the threshold you set. If a transaction occurs over the threshold, you will receive an email alerting you to the activity. 


Create a Personalized Debit Card