Debit Card: Use it everywhere MasterCard is accepted.
No need to carry checks or cash! Just present your debit card wherever MasterCard is accepted to pay for groceries, gas, clothes or dining out or to get cash at an ATM. The payment is automatically debited from your checking account. All transaction details are listed on your account statement for easy record keeping.

Simply press “Credit” to use a signature to make your purchases around your neighborhood or around the world,

To get cash back from participating retailers when you make a purchase, press “Debit” and enter your PIN (personal identification number),

For qualifying account holders.

No ATM fees anywhere, anytime
When you use our ATMs, no fees are charged and no action is required on your part.

Cash withdrawals are also available without a surcharge on MoneyPass Network ATMs. The MoneyPass Network offers thousands of surcharge-free ATMs across the nation for your convenience. Find MoneyPass Network ATMs

For Forward Interest Checking Accountholders
Your ATM fees are automatically rebated without receipts required.

For Free Checking, Interest Checking, Regular Savings, Money Market Savings and Forward Money Market Savings Accountholders
Save your receipts!

We’ll rebate your Bank Forward ATM fees from any machine, even the fees charged by other banks. Just bring in or mail your original ATM receipts within 60 days of the transaction, and we’ll credit your account. Because ATM fees vary, original receipts are required for rebates.

SecureCode: Added protection when shopping online
When you shop online at participating merchants, MasterCard’s SecureCode protection allows you to choose a private code to protect your card against unauthorized charges.

You may enroll while shopping online at a participating merchant or enroll online.
Enroll here More information.

MasterCard Zero Liability Policy for Lost and Stolen Cards
Zero liability applies to purchases in a store, over the phone or made online. As a MasterCard cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met:
» Your account is in good standing.
» You have exercised reasonable care in safeguarding your card from any unauthorized use**. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase. (**Failure to register certain cards will be considered as not safeguarding your card.)
» You have not reported two or more unauthorized events in the past 12 months.

Zero Liability does not apply to MasterCard cards
» if a PIN for a debit transaction is used for the unauthorized purchase
» issued for commercial, business or agricultural purposes

If you have questions regarding zero liability coverage or you suspect unauthorized use of your card, contact Bank Forward IMMEDIATELY. If any of the conditions set forth above are not met, then your liability may not be zero but it may be limited by federal, state or local law.

MasterCard Zero Liability Policy More information.

If your debit card is lost or stolen
IMMEDIATELY report your lost or stolen card by calling 1-800-472-3272.
If stolen, notify the police department as well.

Here are some tips to protect your cards.
» Treat your card like cash, and keep it in a secure location.
» Don’t lend your card or provide your account number to anyone.
» If you use a PIN with your card, don’t write it on your card or keep it with your card
» Never let your card out of your sight, even while a transaction is being recorded.
» Tear up your sales draft receipts before discarding them. Request the merchant does too.
» Check monthly statements for accuracy and/or suspicious charges. Contact us immediately if there are any suspicious charges.
» Keep records of all cards along with the phone numbers of each issuer.