ProGrowth Bank Check Card

The ProGrowth Bank Check Card gives you the convenience of coast-to-coast surcharge-free ATMs with the MoneyPass® network!

You’ll have access to more surcharge-free ATMs than ever before. The MoneyPass ATM network is an ever-growing network of ATMs with more than 16,000 locations coast-to-coast. And each and every one is surcharge-free. That’s precisely the benefit of the MoneyPass ATM network and why ProGrowth Bank participates in MoneyPass.

The ProGrowth Bank Check Card makes using your ProGrowth checking account easier and more convenient than ever. It not only gives you quick and convenient access to cash at thousands of surcharge-free ATMs, it also allows you to make purchases wherever you see the familiar MASTERCARD logo. It's not a credit card, but it's just as easy to use. The money from your ProGrowth Bank Check Card purchase comes directly out of your checking account.

Finding the MoneyPass ATM location nearest to you is easy: Simply visit www.moneypass.com to access the MoneyPass ATM locator and the most convenient ATMs. If you have a ProGrowth Bank Check Card, you’re ready to go. If you don’t, apply for one today!

  • The ProGrowth Bank Check Card replaces your No-Fee Instant Cash & Check/ATM Card and gives convenient, around-the-clock access to your account at thousands of ATMs worldwide.

  • Surcharge-free ATMs wherever you see the MoneyPass logo.

  • View your most-up-to-date account balance with each ATM transaction.

  • Transactions will post to your account almost immediately.

  • Easy record keeping. Your purchases are detailed on your monthly checking account statement.

Contact a banker today to learn more about our service or apply for your ProGrowth Bank Check Card today.

What happens if my card is lost or stolen?

If your card is lost or stolen, contact ProGrowth Bank immediately at 800.244.3490 or after hours: 800.554.8969

Frequently Asked Questions for ProGrowth Bank Check Cards:

Q: How do I find an ATM in the area to use without getting a surcharge?

A: There are many ATMs available for you to use besides ours. Look for an ATM with a MoneyPass logo. Refer to the complete list on website. Here are just a couple:

  •  US Bank’s – two locations in Mankato

  • First National Bank Minnesota - Gaylord, St Peter, Mankato

  • Alliance Bank’s – New Ulm

  • Klein Bank’s – south Twin City metro, Chaska, Victoria, Waconia, Lakeville

Q: What number do I call to activate my card if I lost my card mailer?

A:  800.708.7119

 

Q: What do I do if I got my PIN mailer but didn’t get a new card?

A: Notify the Help Center and we will order you a new card

 

Q: What do I do if I got my card but not the PIN mailer? How do I activate my card without the PIN mailer?

A:  Call the Help Center and we will order a new PIN mailer…you don’t need the PIN to use the card to make purchases…but will need it to get cash at an ATM.

 

Q:  How do I know what my cash and purchase limits are?

A: Call our HELP Center: 888.244.3490 and we will give you that information.

 

Q:  How can I change my PIN (after I have activated it with my PIN mailer)?

A: 1. Call 1-866-492-4941 (listed on you PIN mailer) takes up to 48 hours for PIN change to be active.  Or stop in one of our branches for assistance. Old PIN will work until new one is active.

 

Q: Who do I call if my card is lost or stolen?

A: Call our HELP Center 888.244.3490 or after hours 800.554.8969.

 

Q: Does this card work like the Instant Cash &Check card did?

A: Yes, it is still considered a Debit card, signature based.

 

Q: What happened to the Instant Cash Card?

A: We no longer have just a cash card.

 

Q: Can I transfer money from any one of my account to another at an ATM?

A: Yes

 

Q: Can I see my account balance at an ATM?

A:  Yes, balances are now available at ATM’s….but that also means that they can only withdraw or make purchases on money that is currently in your account.

 

Q: Can I get a Check Card with my Savings Account?

A:  No. If you currently have a card attached to your savings account you can keep it. But we will no longer offer this card to Savings Accounts.

 

Q: How many accounts can be tied to my Check Card?

A: Six; Primary Checking and Savings, Secondary Checking and Savings, Line of Credit, Ready Reserve

 

ProGrowth Check Card Holds and Pre-Authorizations

When you use your ProGrowth Check Card, authorization is needed before they will accept it for payment. Once the transaction is approved, the balance in your checking account is reduced or “blocked” by the amount of the purchase. This is known as a pre-authorization hold. The merchant determines the hold amount. Typically the hold stays on your account until funds are transferred to the merchant, often 3-4 days. If you look at your account online it shows as a pending transaction. 

*12/07/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 1.00

*12/10/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 8.85

Pre-authorization holds.

In the first example, the merchant is only holding $1.00 of the total purchase. Some merchants will hold $50 or $100 depending on what is being purchased.

In the second example, the merchant is holding funds for the entire purchase.

How do pre-authorizations work?

In a few situations, the dollar amount of the transaction is unknown when an approval is given. This may happen when you check into a hotel room, rent a car*, pay for gas at the pump or use your check card to pay for your meal at a restaurant. In each of these transactions, the merchant may get approval for a higher (estimated) amount – allowing for a tip, room service, additional or higher purchase amounts.

Let’s say you have $60 in your account when you use your check card to pay for gas at the pump. Since the purchase amount is unknown when you insert your card, the merchant requests an authorization for $50. The authorization causes a hold to be placed on your account for $50 and your available balance is reduced to $10. If you only purchased $20 in gas, you may believe you have $40 available in your account. Unless you understand how a pre-authorization hold affects your account, your check card could be declined on any future transactions attempted while the pre-authorization hold is in place. If checks or other transactions are processed before the hold is released you may overdraw your account and incur overdraft fees.

Want to know about pre-authorizations? Just ask!

When you use your ProGrowth Check Card in a situation where the merchant may estimate the charge (hotels, car rental*, gas at the pump, restaurants, etc) use the following tips:

  • When a business asks for your card in advance of service – ask if they will initiate a pre-authorization hold, the amount of the hold and how the amount is determined. These questions will help ensure the hold will not exceed your account balance.

  • Pay the charges with the same card you used when initiating the transaction. Ask the clerk when the hold will be removed.

*Many rental car companies will not accept check or debit cards.