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VISA Check Card with EMV Chip Technology

The VISA Check Card looks like a credit card, but is actually a check substitute. You can make purchases wherever you see the VISA logo and the amount of your purchase will be deducted from your checking account. Also, the VISA Check Card takes the place of the ATM card.


Cornerstone Bank’s VISA Check Cards with EMV chip technology features an embedded chip that improves security every time you make a purchase at a chip-enabled terminal. The chip technology is more secure because it sends a unique code for each transaction that is difficult to duplicate, reducing the risk of fraudulent charges on your account. The card will continue to work at any merchant that accepts VISA. The card can either be inserted at merchants with the EMV equipment in place or it can be swiped to complete a transaction if the merchant has traditional equipment. You can also use your card for online payments, telephone payments, and at ATMs.

Cornerstone Bank offers same day VISA Check Cards.

If you lose your card or open an account, you can get a new card within minutes. This product is only available at the main bank located at 529 Lincoln Avenue in York.

When you receive your Cornerstone Bank VISA Check Card, you will need to call in to activate the card and create or change your PIN.

  • To activate your card or change a PIN: (800) 992-3808
  • To report your card Lost or Stolen: (800) 472-3272

MoneyPass ATM Network

While Cornerstone offers a number of conveniently located ATMs, we are also a member of MoneyPass. MoneyPass offers surcharge-free ATM transactions for Cornerstone Bank VISA Check Card holders at over 32,000 ATMs in the United States.*

MoneyPass Logo

Visit the MoneyPass website to find the nearest ATM.

*Customers will incur a foreign ATM fee of $3.00 if the ATM isn't owned by Cornerstone Bank.  All Cornerstone ATMs can be found here.

Text Alerts From EnFact

With text fraud alerts, if the EnFact system detects suspicious activity on your card, you will receive a text message with details about the suspected transaction.  All you have to do is respond to the text to confirm the transaction.  If you confirm the transaction is legitimate, you do not need to do anything else.  If you indicate that the transaction is fraud, you will receive another text message with a number to call to follow-up.

All Cornerstone customers that have a mobile phone number and VISA Check Card are automatically enrolled in this feature, and have the option to opt-out at any time.  This is a free service to our customers.

Click here to watch a video on how these fraud text alerts work.

Fraud Protection by EnFact

Your Visa Check Card is protected 24 hours a day, seven days a week by a fraud detection program called EnFact.  If the EnFact system identifies a potentially fraudulent debit card transaction, they will reach out to you via the contact information that we have on file.  Your participation in responding to the call is critical to prevent potential risk and also to avoid restrictions from being placed on your card.

When EnFact reaches out to you, the automated service will ask a few questions to verify your identity.  It will then ask you to verify your recent card activity.

It is extremely important that we have your current contact information on file in case we suspect fraudulent activity being done on your Visa Check Card.  To update your contact information, please stop in at a branch or contact us at 800-642-6608.

  • For Fraud Services (EnFact): (833) 735-1894

VISA Account Updater

When you use your Cornerstone Bank VISA Check Card for recurring payments, Visa will automatically update your card information through the Visa Account Updater (VAU) service whenever your card information changes. All Visa credit and debit card holders enjoy this benefit; no enrollment or activation is required.

Here’s how VAU works

When your card’s expiration date or card number changes (if the original card is lost/stolen or reissued due to closure), VISA will communicate your new card information directly to participating merchants you have authorized to charge your card. VAU only applies to recurring Visa debit and credit card payments, and updates are only sent to qualified participating merchants.

VAU is designed to help prevent interruption of your recurring payments and possible service disruptions when your card information changes. Because not all merchants subscribe to VAU, we recommend that you notify each merchant of your new check card number and/or expiration date to ensure your payments continue uninterrupted.

VAU is provided as a free benefit to Visa card holders. If at any time you wish to opt out of VAU or if you have questions regarding the service, please contact Cornerstone at (402) 363-7411 or (800) 642-6608.

Consumer and Business Credit Cards

Choosing the right credit card is easier than ever. No matter which card you choose, you’ll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!

More Information & Apply Here Existing Card Holder Login

Safe Deposit Boxes

See each Cornerstone Bank location for box sizes, availability and prices.  Safe Deposit Boxes are not available at all locations. Contents of Safe Deposit Boxes are not FDIC insured.



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