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Personal Banking

PERSONAL CREDIT AND DEBIT CARDS

Pick the best rewards for you

Learn More and Apply Here

Pine Country Bank offers several credit and debit cards with different features to meet your needs. Find the card that's right for you.

Credit Cards

What do you want most from your credit card? Love cash back? Want to use your rewards for travel or shopping? Need a low interest rate? Now you have a choice. Whatever your needs, we have personal and business credit cards that will work for you.
Pine Country Bank has partnered with Elan Financial Services to provide several Visa® and American Express® credit card options:

Save with a longer intro rate.

[Visa/MasterCard®] Platinum Card
Save on interest with an extended introductory rate and pay down other credit card balances faster.
Learn More and Apply Here

Earn valuable rewards.

 
[Visa/MasterCard®] Bonus Rewards Card
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get $25 cash back1 after your first purchase.
Learn More and Apply Here
[Visa/MasterCard®] Bonus Rewards PLUS Card
Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month. Plus get $50 cash back1 after your first purchase – all with a low annual fee.
Learn More and Apply Here
Cash Rewards American Express® Card
Earn cash back1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash back1 after your first purchase.
Learn More and Apply Here
Travel Rewards American Express® Card
Earn great rewards faster with 3X reward earnings on airline net purchases and 2X reward earnings on restaurant and hotel net purchases and 1X reward earnings on all other eligible net purchases, plus get $75 cash back1 after your first purchase – all with a low annual fee.
Learn More and Apply Here

Build your credit.2

 
[Visa/MasterCard®] Secured Card
Start building (or rebuilding) your credit history, even if you’ve been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee.
Learn More and Apply Here

1 - Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

2 - Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

Questions? Contact us.

For existing Elan customers,
access your account here.

Debit Cards

All of our cards are accepted anywhere Visa® cards are accepted worldwide. Our debit cards all feature ATM withdrawal, balance inquiry and account transfer. From a basic ATM/debit card to our Spirit Cards that help support your community schools, we have a debit card for you.

  • Visa ATM/Debit: Easy access to your accounts with no monthly fee (ATM or Transaction fees may apply)
  • Visa HSA (Health Savings Account): Access to your HSA at your fingertips  Learn more
  • Visa Little Falls Spirit ATM/Debit: Each time you use your Spirit Card to make a purchase, Pine Country Bank will donate a percentage to the Little Falls Community Schools   Learn More
  • Visa Royalton Spirit ATM/Debit: Each time you use your Spirit Card to make a purchase, Pine Country Bank will donate a percentage to the Royalton Community Schools   Learn More

To locate an ATM, visit SHAZAM

Fraud Protection

SHAZAM BOLT$ is a fraud transaction alerting, balance monitoring and ATM locator application for Pine Country Bank debit cards. Features include:

  • Transaction amount alerts (set amount threshold)
  • Internet and phone transaction alerts
  • International transaction alerts
  • Enter a secondary email address to be used for transaction-level alerts

Instructions on setting up SHAZAM BOLT$

Lost or Stolen Cards

Credit: Call 1-800-558-3424

Debit: If your card has been stolen or if you have lost your card, follow this link for instructions.