Debit Card and Digital Wallet

North State Bank Visa® debit cards can be used to make purchases anywhere Visa and STAR cards are accepted and offer the latest in debit card technology, including:

Smart Chip technology 
Digital Wallet
Real-time monitoring with Visa Alerts
Fraud Center 
Report a Lost or Stolen Debit Card

chip card icon  Smart Chip Technology

When transactions are processed using chip technology (also known as EMV), unique data is created for each transaction that cannot be used again. That means if a retailer’s payment processing data is breached, the debit card information on file cannot be used by the hacker.


Mobile Pay IconDigital Wallet

What’s the one thing you always have with you? Your phone! By adding your North State Bank debit card to your digital wallet on most Apple™ and Samsung phones and tablets, you can pay for purchases without physically having your debit card present.

It’s fast, safe and convenient.

Go Digital: To set up your digital wallet, follow the prompts on your device, then add your North State Bank Visa® debit card to the Wallet app. Look for the touch-free symbol when you are paying  for a purchase, then simply authorize your payment and you are on your way! 

Apple Pay Terms and Conditions


VISA Alert icon  Visa Alerts

Monitor your North State Bank Visa debit card activity in near real-time with our free Visa Alerts service. Make it work for you by selecting alerts for any or all of the following:

  • Purchases over a specified amount--for example, $50 or above.
  • Card absent transactions such as payments made by phone or online.
  • Card activity outside of the United States.

Each alert contains purchase information, including the amount, merchant name and location (if available) and the last four digits of the debit card number. Plus, you can select the communication style that best meets your needs, choosing from:

  • Text messages
  • Emails
  • Or both for extra security and convenience


Card usage time vs. when you receive the alert is dependent on wireless service and coverage within the area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alerts service may vary by issuer. Additional restrictions apply.


magnifying glass icon Fraud Center 

Fraud Center uses advanced technology to review debit card transactions in near real-time. If a fraudulent charge is suspected, Fraud Center will contact you immediately. To make sure we can reach you quickly and easily, take a moment to confirm your mobile number and email address with your local North State Bank office.

Fraud Center Email First, Fraud Center will send an email notification to the primary cardholder. The email will prompt you to reply “fraud” or “no fraud” to let us know if the transaction was authorized.
Fraud Center Text Next, if you do not respond to the email within one minute, Fraud Center will send a text message to the mobile number we have on file. The text will prompt you to reply “fraud” or “no fraud” to let us know if the transaction was authorized.
Fraud Center Phone Then, if Fraud Center doesn’t receive a response to the email or text, you will receive an automated phone call prompting you to confirm or deny if the suspicious transaction was fraudulent. During this call, you will have the option to speak with a fraud analyst.

Fraud Center will repeat these attempts to reach you until the possible fraud has been confirmed or denied. In some instances, your card will be blocked for use until Fraud Center receives your response. Fraud Center messages will not ask for your PIN or account number. Never give your account number or PIN out via text message or email.

Automatic Service: You do not have to enroll. All North State Bank debit card activity is automatically monitored with Fraud Center.


Report Lost or Stolen Card Graphic Report a Lost or Stolen Debit Card 

To report a lost or stolen North State Bank debit card, call: 877.807.9668. If you reach a recording when calling the number above, contact: 888.297.3416.