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Debit Cards


Northway Bank debit card provides the safest, quickest and most convenient way to access your money.

Use it to access ATMs or to make purchases anywhere that accepts Mastercard®. Peak and True Rewards Checking accountholders can earn $0.10 with Dime-a-Time every time you use your debit card and choose “credit”. The more you use it, the more you get paid1! For another kind of convenience, link your debit card to Apple Pay®, Samsung Pay®, Google Pay®, and Masterpass™.
Debit Card
Use your debit card to shop at stores or online, wherever Mastercard is accepted.
Go to Debit Card
Apple Pay
Link your debit card to your Apple device.
Go to Apple Pay
Masterpass
Link your debit card to your Android device.
Go to Masterpass
Samsung Pay
Link your debit card to your Samsung device for fast, secure payments.
Go to Samsung PAY
GOOGLE PAY
Link your debit card to your Google Pay account for fast, secure payments.
smsGuardian
Spot potential debit card fraud right away with text alerts on certain transactions.
Report a Lost or Stolen Debit Card
Is your debit card gone? Here's what to do.
GO TO REPORT A LOST OR STOLEN DEBIT CARD
 


Debit Card

Northway Bank will provide your debit card instantly at your local branch with your Northway Bank checking account2. Use it to shop at stores or online, wherever Mastercard® is accepted. Your debit card also lets you access cash at ATMs nationwide or make deposits at any Northway Bank ATM.

Sign-up now. Contact us at 800-442-6666 or visit your nearest branch.

TRAVEL ADVISORY: When elevated levels of fraud are identified in a particular region, it may be necessary for us to block Debit Card authorizations to protect your account. Please call us at 800-442-6666, or visit your local branch, to notify us before you travel out of state to ensure that you will not be negatively impacted by these restrictions.

CARD SKIMMER ALERT: Skimming devices have been around for years, however, detecting them is getting harder as the technology for these devices improves and it becomes easier to purchase the equipment online. Read more about Card Skimming.



  • Make purchases directly from your checking account without the need to use cash or write a check
  • Make purchases anywhere Mastercard® is accepted
  • Use your debit card as an ATM card at any Northway Bank ATM to make deposits; or at any Northway Bank, NYCE, or Mastercard network ATM3 to make withdrawals, balance inquiries, and transfers between your linked accounts
  • Get cash back when making a purchase at a merchant point-of-sale terminal


Northway Bank offers instant issue debit cards for new or replacement cards:
  • Printed in minutes at any of our branches; no more waiting for a new card to arrive in the mail
  • Easy, quick, safe, and secure
  • Immediate activation and access to funds
  • Come in to any branch




  • Every Northway Bank debit card is equipped with an EMV chip and the enhanced transaction security that comes with that technology
  • Transactions monitored for fraud activity 24/7
  • Use your Northway Bank mobile app or online banking to suspend or report a lost or stolen debit card
  • You have transaction knowledge and now you can have control. Keep your debit card secure by receiving real-time debit card transaction text alerts with smsGuardian 



 

















iPhone image with Apple Pay screen showing.

Apple Pay®

Enjoy the security, protection, and convenience of your Northway Bank debit card, now with the ease and accessibility of Apple Pay. Add your card to your compatible iPhone®, iPad® or Apple Watch digital wallet to get started.




  • Go to Settings
  • Open Wallet & Apple Pay and then select "Add Credit or Debit Card" (You can also open the Wallet app directly)
  • Use your device's camera to input your card information or enter it manually
  • Call Northway Bank at 800-442-6666. We will verify your information and complete the setup





Q: What is Apple Pay?
A: With Apple Pay, you can easily pay for your purchases at participating merchants with virtual debit or credit cards on your iPhone, Apple Watch, or iPad. See the Apple site for a complete list of compatible devices.


Q: What security features come with Apple Pay?
A: With Apple Pay, every time you make a purchase, your unique Device Account Number along with a one-time security code are used to process the payment instead of your actual card number. Therefore, your actual card information is never shared with merchants or transmitted with payment. In addition, your physical card number is not stored on your phone, and only the fingerprints you associate with your Touch ID or phone passcode can authorize a payment.

Zero liability – as always, your debit card purchases are covered by Mastercard’s zero-liability policy (conditions and exceptions apply).

Q: Where can I use Apple Pay?
A: You can use Apple Pay at thousands of locations. You can also make purchases within participating apps. Look for these symbols at checkout:

Image for NFC and Apple Pay
  • See a list of stores and apps 
Q: How do I add my Northway debit card to Apple Pay?
A: iPhone/iPad: On your iPhone, open the Wallet app. On your iPad, go to Settings > Wallet & Apple Pay. Tap Add Credit Card or Debit Card. If your Northway debit card is already on file with iTunes, enter the card’s security code. Otherwise, use the camera to capture the information on your Northway debit card. Fill in any additional information needed. Call Northway Bank at 800-442-6666. We will verify your information and complete the setup. After your card is verified, you can start using Apple Pay.

Apple Watch: Open the Watch app on your iPhone and tap the My Watch tab. Scroll down and tap Wallet & Apple Pay. Then tap "Add a Credit or Debit Card." If your Northway debit card is already on file with iTunes, enter the card’s security code. Fill in any additional information needed. Call Northway Bank at 800-442-6666. We will verify your information and complete the setup. After your card is verified, you’ll receive a notification on your Apple Watch that your card is ready for Apple Pay. You can start using Apple Pay.

Q: How do I make my Northway debit card the default card?
A: To change the default card, go to Settings > Wallet & Apple Pay. Tap Default Card, and choose your Northway debit card.

Q: What type of device do I need to use Apple Pay?
A: You can use Apple Pay to pay at participating merchants and within apps with compatible iPhones, iPads, the Apple Watch, and Macs. See the Apple site for a complete list of compatible devices.

Q: Does it cost anything to use Apple Pay?
A: There is no cost to Northway debit card users to use their card in Apple Pay. However, message and data charges may still apply from your wireless provider.

Q: What if I lose my device?
A: Your card information is not stored on your phone and only you can authenticate a transaction using Touch ID. However, as an additional security measure, please call the Customer Service Center at 800-442-6666 and we can remove your card from Apple Pay. Note that your plastic card is still valid to use. If your iPhone, iPad, or Apple Watch is ever lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely. You can also stop the ability to make payments from credit and debit cards on your iPhone, iPad, or Apple Watch with iCloud. Just log into iCloud.com and click Settings.

Q: When my card expires or is replaced, do I have to enroll my new card?
A: Yes. When a new card is issued, even if it's the same number, it needs to be enrolled in Apple Pay. Your old card will also need to be removed. You can remove cards by going to Settings > Wallet & Apple Pay. Just select the card to delete and tap Remove Card.

Q: What cards are eligible?
A: Currently the following cards are eligible: consumer debit cards and business debit cards.

Q: How do I pay using my Apple Watch?
A: On Apple Watch, just double click the side button and hold the display of your Apple Watch up to the contactless reader.

Q: What is Touch ID?
A: Touch ID is Apple's biometric fingerprint authentication technology. With it, the Home button can unlock your iPhone and authorize your purchases within Apple Pay. For more information on the setup and use of Apple Pay, visit Apple Support.























Masterpass™

Simplify the checkout process whether shopping online, in apps, or in stores – save time and hassle with Masterpass™ on your Android™ device. Create an account and save your Northway Bank debit card to get started.
Safely use Masterpass online or in app wherever you see the Masterpass button.

Image for masterpass


Look for the contactless symbol at checkout when you are in-store.

Image of NFC icon for mobile payment
Masterpass is easy to set up on your Android device:
Google Play Store Button
  • Visit Google Play and download the Masterpass App 
  • Open the app, go to 'Cards' from the menu and load your Northway Bank debit card as the default.
  • You can still use your regular plastic card the same way as before.


When shopping online or in app and you are ready to check out, click or tap the Masterpass button. If you already have an account, then simply sign in and choose the payment card and shipping address you wish to use. All of those details will be used to make a secure purchase, and you’re done.

When shopping in stores, there are two ways to tap and pay:

From the app:
  • Open the app and choose the card you would like to use
  • Touch the “Tap & Pay” button at the bottom of the screen
  • Enter your 4-digit Masterpass PIN
  • Hold your phone just above the terminal and wait to see the ✓ on your screen
From the home screen:
  • Wake your phone so that the screen is lit and hold it against the contactless terminal
  • Enter your 4-digit Masterpass PIN
  • Place your phone over the terminal once again until you see the ✓


  • Your Masterpass account comes with multi-tiered security to help keep your information private. Plus when you check out in stores using the Android™ app, a unique number is shared with the merchant instead of your actual card details, which means your information is protected. Masterpass is the only digital wallet from Mastercard, so you can shop with confidence.
  • Click here for more FAQs.
























Samsung Pay®

Image of Samsung Pay on Samsung device

Enjoy the security, protection, and convenience of your Northway Bank debit card, now with the ease and accessibility of Samsung Pay. Use your linked Northway card to pay card-free in stores and apps.





  • Find the app pre-installed on your Samsung phone or download from the Google Play store
  • Sign in to your Samsung account. Scan your fingerprint or iris and enter a pin to authenticate future purchases
  • Snap a picture of your card and sign where necessary. Your card is securely backed up and can be restored with your Samsung account


  • At store checkout, bring up your Northway card by swiping up from the bottom of your screen
  • Select how you’d like to verify – biometrics or PIN. Hold near payment terminal
  • If paying at a terminal for debit cards, tap near the magnetic stripe line where you would swipe a debt card. If it’s a tap-and-go terminal, simply tap your phone


Q: What is Samsung Pay?

A: Samsung Pay is a digital wallet app that allows you to easily pay for purchases at participating merchants with virtual debit or credit cards on your Samsung device. See the Samsung Pay website to find out if your device is compatible. 

 

Q: What security features come with Samsung Pay?

A: With Samsung Pay, each transaction is authenticated by your fingerprint, pin number or iris scan. Additionally, Samsung Knox tokenization adds an extra layer of security.

Zero liability – as always, your debit card purchases are covered by Mastercard’s zero-liability policy (conditions and exceptions apply).

 

Q: Where can I use Samsung Pay?

A: You can use Samsung Pay at thousands of locations, including in participating apps. Because Samsung Pay uses technology that replicates a magnetic strip from a debit/credit card, it can be used anywhere accepting traditional debit/credit cards. Samsung Pay can also be used anywhere a tap-and-go terminal is present.

 

Q: How do I add my Northway debit card to Samsung Pay?

A: To get started, add a credit or debit card by touching ADD in Samsung Pay. Touch Add credit or debit card and then follow the on-screen instructions to choose verification method, PIN for payments, and signature. Next, call Northway Bank at 800-442-6666. We will verify your information and complete the setup. After your card is verified, you can start using Samsung Pay.

 

Q: How do I make my Northway debit card the default card?

A:  Samsung Pay does not have the option to set a default card. When you open Samsung Pay, the most recently used, viewed, or added card will display.

 

Q: Does it cost anything to use Samsung Pay?

A: There is no cost to Northway debit card users to use their card in Samsung Pay. However, message and data charges may still apply from your wireless provider.

 

Q: What if I lose my device?

A: Every transaction is authenticated by your fingerprint, pin number or iris scan. If your phone is lost or stolen, you can remotely lock or erase your Samsung Pay account with Find My Mobile. Contact Northway Customer Service Center at 800-442-6666 to remove your card from Samsung Pay.

 

Q: Which cards are eligible?

A: Currently, the following cards are eligible: consumer debit cards and business debit cards.























Google Pay®

Image of Android with Goggle Pay

Enjoy the security, protection, and convenience of your Northway Bank debit card, now with the ease and accessibility of Google Pay. Use your linked Northway card to pay card-free in millions of stores, apps, and through Google Assistant.


  • Download the Google Pay app in the Google Play store on your Android device
  • Open the Google Pay app and follow the setup instructions
  • If you have another payment app on your phone: make Google Pay the default payment app for easy access


  • Look for the Google Pay or contactless terminal symbol at checkout
  • Wake up and unlock your phone. No need to open the Google Pay app
  • Hold the back of your phone close to the terminal for a few seconds
  • A circle with a check mark will appear when your payment is accepted
  • You may be required to sign or enter your debit card’s PIN number on the terminal




Q: What is Google Pay?

A: Google Pay is a digital wallet app that allows you to easily pay for purchases at participating merchants with virtual debit or credit cards on your Android device. See the Google Pay site to find out if your device is compatible. 

 

Q: What security features come with Google Pay?

A: Every time you make a purchase, your unique device account number, along with a one-time security code are used to process the payment instead of your actual card number. Therefore, your actual card information is never shared with merchants or transmitted with payment.

Zero liability – as always, your debit card purchases are covered by Mastercard’s zero-liability policy (conditions and exceptions apply).

 

Q: Where can I use Google Pay?

A: You can use Google Pay at thousands of locations, including in participating apps. Look for the contactless symbols at checkout.

 

Q: How do I add my Northway debit card to Google Pay?

A: Open the Google Pay app and follow setup prompts. Add card number by using the camera to scan or enter manually. Google Pay will send a verification text or email to confirm your identity. Next, call Northway Bank at 800-442-6666. We will verify your information and complete the setup. After your card is verified, you can start using Google Pay.

 

Q: How do I make my Northway debit card the default card?

A: In the Google Pay app, tap Cards on the lower-right. Select your Northway debit card and tap Set as Default.

 

Q: Does it cost anything to use Google Pay?

A: There is no cost to Northway debit card users to use their card in Google Pay. However, message and data charges may still apply from your wireless provider.

 

Q: What if I lose my device?

A: Because your card information is not stored on your phone and your phone must be unlocked for nearly all payments, your payment information will stay safe. As a precaution, you may choose to lock or erase your phone using Android Device Manager; also contact Northway Customer Service Center at 800-442-6666 to remove your card from Google Pay.

 

Q: Which cards are eligible?

A: Currently, the following cards are eligible: consumer debit cards and business debit cards.





















 

smsGuardian™ 

Image of iPhone with smsGuardian alert

Increased debit card security...with smsGuardian Text Alerts!

Monitor your Northway Bank debit card purchase activity in real time with Guardian Text Alerts. This free service gives you the ability to receive and respond to text alerts on predetermined transactions, as they happen, on your enrolled Northway Bank debit card.4 
 


smsGuardian can provide . . .
  • Peace of mind – a layer of security that gives you the ability to identify unauthorized card activity
  • Convenience – text alerts come right to your mobile device
  • Two-way communication – if you see fraudulent activity, you can respond to our text and we’ll put an immediate block on your card to prevent further unauthorized activity
Text alerts are sent whenever one of the following occurs:
  • Four or more transactions/authorizations in a rolling 24-hour period
  • Authorizations greater than $200
  • Out-of-state transactions
  • International transactions
  • Card-not-present transactions (authorizations by phone or online)
  • Declined authorizations
  • Fuel transactions
  • Account funding transactions 
*Message and data rates apply. You may discontinue the receipt of alerts immediately by texting the word STOP in reply to a Guardian Alert. You may unsubscribe from this service entirely on the website.




























Report a Lost or Stolen Debit Card

Have you misplaced your Northway Bank debit card? Do you suspect it has been stolen? There are several ways to report a lost or stolen card or deactivate a card.

Northway Bank offers you the convenience of an instant issue debit card to replace your lost or stolen card. 

If you’ve simply misplaced your card and want to secure it while you look for it, you can call Customer Service or use the mobile banking app to suspend your card. 


Customer Service

Image of phone representing 24-hour telephone banking
  • Call 800-442-6666 to speak to a customer service representative
  • Monday - Friday
    8:00 am to 6:00 pm
  • Saturday
    8:00 am to 12:00 pm


24 Hour Telephone Banking

Image of phone representing 24-hour telephone banking
  • Call 888-568-6310 and follow these automated prompts:
  • Option 5 – Debit Card
  • Option 2 – Deactivate a card or report lost/stolen
Mobile App

Image of smart phone icon
  • Sign in to your mobile account 24/7
  • From the hamburger menu Image of hamburger menu icon , select “Preferences”
  • Select “Manage Cards”
  • Select the active debit card that you wish to report lost or stolen
  • If you wish to report it stolen, select “Report”
  • If you have misplaced your card and want to temporarily suspend it, select “Suspend”
Online Banking

Image of computer icon
  • Login to your online banking account 24/7
  • Go to Options
  • Click on ATM/Debit Card
  • Click on the "Lost/Stolen" box for the card you wish to report lost or stolen 
  • Click submit
























1Terms and conditions apply. When Dime-A-Time reward is selected at account opening, you can earn $0.10 cash back on each signature-based transaction (choose credit) when you perform 15 or more, paid on the last day of the statement cycle month in which the debit transaction has posted and cleared. See Peak or True Rewards for more information.

2Debit card is available to qualifying Northway Bank checking account holders.

3Owner of any non-Northway Bank ATM may charge a fee to use your debit card at their ATM.

4Message and data rates apply. You may discontinue the receipt of alerts immediately by texting the word STOP in reply to a Guardian Alert. You may unsubscribe from this service entirely on the website.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, and Apple Watch are trademarks of Apple Inc.
 
Android, Google Pay, and the Google logo are trademarks of Google LLC.
 
Samsung Pay is a trademark of Samsung Electronics Co., Ltd.

smsGuardian is a trademark of Jack Henry & Associates, Inc.