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Debit Cards

Answers to your frequently asked questions

Use your debit card for online shopping, pay-at-pump or at the register. You can also set your card up for recurring payments with your gym or other service provider. Access cash from any ATM, including over 25,000 surcharge-free ATMs in the United States through our MoneyPass network. Find an ATM by using the search filters available at Bremer.com/locations.

Find a surcharge-free ATM by using the Search Filter for "Additional Surcharge-Free ATMs" at Bremer.com/locations. (After selecting this filter, please give the page a few moments to refresh.)

Some merchants pre-authorize transactions at higher or lower amounts to test a card's validity. For example, a $25.00 gas purchase might temporarily show in your account transaction history as a pending purchase of $126. Pre-authorizations are common at gas pumps, hotels and car rental companies. The actual amount withdrawn from your account will be the correct amount, and the pending transaction will disappear.

Follow the steps included with your new debit card. If you have lost the mailer, contact Bremer Phone Bank at 800-908-2265 for assistance.

When activating your new debit card, you'll be prompted to create a unique Personal Identification Number (PIN). Be sure to choose a secure PIN, and avoid easy-to-guess numbers like your birthday or street address.

Bremer offers chip card technology on both debit cards and credit cards. You can find more information on how EMV chip card technology works by viewing this helpful video:

 

Contact Bremer Phone Bank immediately at 1-800-908-2265.

You will not be held responsible for unauthorized transactions if you use reasonable care in protecting your card and promptly report the loss or theft of your card. Please see www.mastercard.us/zero-liability.html for more details.1

SecurLOCK Equip is a free app that can be downloaded to an Android or Apple device, providing you a simple and secure way to manage and monitor your debit card. The SecurLOCK Equip app offers these features:

  • On/Off Feature: Instantly turn a card off to protect it when not in use, in response to suspicious activity or for any other reason. Then turn it back on whenever desired.
  • Customized Controls: Set up custom controls to make your card work in specific ways based on the channel (online, in-store, or ATM) and merchant type. You can also limit where your debit card can be used by geographic location and set transaction limits.
  • Real-time Monitoring: Track your debit card activity as it occurs with automatic, customized alerts to your designated device.
  • Transaction History: Easily view up to 50 transactions in the last 30 days for all debit cards enrolled in the app. Summary information includes the merchant name, transaction amount and other details, such as any ATM fees or surcharges.

First, make sure you have a supported mobile device as described in App Store or Google Play.

Then download the SecurLOCK Equip app from App Store or Google Play. Once installed, launch or open the app (you may first need to unlock it by authenticating your ID) and register as a new user by selecting Sign Up Free. Be sure to also allow the app to send you notifications. You will then follow simple steps to enter your Bremer debit card number and details.

You can begin using the SecurLOCK Equip service immediately after you register. By turning the card off, the green button in the top right corner of the card image will turn red. This means that all transactions (except for recurring payments) will be declined. When ready to make a purchase simply turn the card back on so it is green again. The app works in real-time, so all settings take effect immediately. 

Set up alerts to monitor card activity and view your transaction history. Then start selectively setting controls by channel (in-store, online, mobile, or ATM), merchant category, geographic location for where the card can be used, and spend limits.

 

The SecurLOCK Equip app is only available for cards through participating financial institutions. You may add any Bremer debit card - Platinum, Business, World and HSA - to the card controls available in SecurLOCK Equip.

If you wish to remove a card from the card controls, simply open the app and select Manage Portfolio. Uncheck the card or cards you no longer wish to manage using SecurLOCK Equip.

Yes. Joint account holders can register the same card number on separate devices. Your card settings will be based on the last individual to update the settings.

Within the SecurLOCK Equip, go to Legal & Help > Help for an overview of major functions.

We are proud to offer several digital wallet capabilities on our debit and credit cards, including Android Pay. Your step-by-step instructions may vary by device, but in general you:

  1. Install the Android Pay app from Google Play. Check your device to see if Android Pay was pre-installed on it, otherwise download the Android Pay app from Google Play.
  2. Add your credit or debit card from Bremer Bank. You should have some easy on-screen instructions to help with this step.

If your device is lost or stolen, use Android Device Manager to instantly lock your phone from anywhere, secure it with a new password, or wipe it clean of personal data.

We are proud to offer several digital wallet capabilities on our debit and credit cards, including Apple Pay. To set up Apple Pay on your iPhone or other mobile device, follow these instructions from Apple.

If your device is lost or stolen, use can use iCloud to suspend or permanently remove the device's Apple Pay capabilities. 

We are proud to offer several digital wallet capabilities on our debit and credit cards, including Samsung Pay. To set up Samsung Pay on your phone or other mobile device, follow these instructions from Samsung.

If your phone is lost or stolen, go to https://findmymobile.samsung.com to remotely lock or erase your Samsung Pay account.

If you lose your mobile device, you will want to take steps to protect your private information.

If you use Mobile Banking, remove it from your online banking profile. Simply log in to online banking from a desktop web browser. Then go to the Customer Service menu to Manage mobile banking settings. Also call Bremer Phone Bank at 800-908-2265 to report the lost or stolen device.

If you use Android Pay, use the Android Device Manager to instantly lock your phone, secure it with a new password or wipe it clean of personal data.

If you use Apple Pay, use iCloud to suspend or permanently remove the Apple Pay capability from the device. Your cards will be suspended or removed from Apple Pay even if your device is offline or not connected to cellular or Wi-Fi networks.

If you use Samsung Pay, visit https://findmymobile.samsung.com to remotely lock or erase your Samsung Pay account.

We also suggest reviewing our Mobile Security Tips for other helpful information.

Your Platinum debit card comes with additional benefits from Mastercard, including extended warranty, identity theft resolution, price protection, satisfaction guarantee and global services. Download the Mastercard Guide to Benefits (PDF) for additional detail.

Your World DebitTM Mastercard comes with additional benefits from Mastercard, including exclusive offers, extended warranty, identity theft resolution, price protection, satisfaction guarantee and global services. Download the Mastercard Guide to Benefits (PDF) for additional detail.

Your Business debit card comes with additional benefits from Mastercard, including rental vehicle insurance, extended warranty, travel assistance, employee liability protection and more. See the Guide to Benefits (PDF) or Mastercard website for more details.

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