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 now 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
each and every one is surcharge-free. That’s the benefit
of the MoneyPass ATM network and precisely why ProGrowth Bank participates in
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
Finding the MoneyPass ATM location nearest to you
is easy: Simply visit
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 gives convenient,
around-the-clock access to your account at thousands of ATMs
Surcharge-free ATMs wherever you see the
View your most-up-to-date account balance
with each ATM transaction.
Transactions will post to your account almost
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
If your card is lost or stolen, contact ProGrowth Bank immediately
at 888.244.3490 or
after hours: 800.554.8969
Protecting Your Check Card!
We may be calling you
To protect your account, we monitor your ATM and check card transactions for potentially fraudulent activity
which may include a sudden change in usage location (such as when a card is unexpectedly used in another State or Country), a
sudden string of costly purchases, or any pattern associated with new fraud trends around the world.
If we suspect fraudulent ATM or check card use, we’ll be calling you to validate the legitimacy of your transactions.
Your prompt response to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.
Our automated call will ask you to verify recent transaction activity on your card
You’ll be able to respond via your touchtone keypad
You’ll also be provided a toll-free number to call should you have additional questions
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to
reach you whenever potential fraud is detected, please keep us informed of your correct phone numbers, especially your cell phone when
you are traveling!
In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you
identify any fraudulent transactions. Here are some additional tips on protecting yourself from check card fraud.
- Unless absolutely required for a legitimate business purpose, avoid giving out your:
In stores and at ATMs, always cover your card and PIN, and watch for:
- Address and ZIP code
- Phone Number
- Date of Birth
- Social Security Number
- Card or Account Number
- Card Expiration Date
Online, you should never respond to unsolicited emails that:
- Cell phone cameras, mirrors, or other tools used to view cards and PINs
- People watching your transactions
- Cashiers taking your card out of sight; take it to the register yourself
- Any unusual activity at an ATM; if you feel uncomfortable, go to another ATM
- Ask you to verify your card or account number; such emails are not sent by legitimate businesses
- Link to websites; such sites can look legitimate but may collect data or put spyware on your computer
As always, please feel free to call us at 888.244.3490.
Frequently Asked Questions for ProGrowth Bank Check Cards:
Q: How do I find an ATM
in the area to use without getting a surcharge?
There are many ATMs available for you to use
besides ours. Look for an ATM with a MoneyPass logo. Refer to the
complete list of MoneyPass ATM locations 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?
Q: What do I do if I
got my PIN mailer but didn’t get a new card?
Notify the HELP Center at 888.244.3490 and we will order you a
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?
Call the HELP Center at 888.244.3490 and we will order a new PIN
mailer…you don’t need the PIN to use the card to make purchases…but
you will need it to get cash at an ATM.
Q: How do I know
what my cash and purchase limits are?
Call our HELP Center: 888.244.3490 and we will
provide you with that information.
Q: How can I
change my PIN (after I have activated it with my PIN mailer)?
Call 866.492.4941 (listed on you PIN mailer) takes up to 48
hours for PIN change to be active. Or stop in at 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?
Call our HELP Center 888.244.3490 or after hours
Q: Can I transfer money
from any one of my account to another at an ATM?
Q: Can I see my account
balance at an ATM?
Yes, balances are now available at ATMs….but
that also means that you 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?
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?
Five; Primary Checking and Savings, Secondary
Checking and Savings, 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
*12/07/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 1.00
*12/10/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 8.85
In the first example above, 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 above, 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
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
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.