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    Personal Cards

Personal Credit & Debit Cards

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® Platinum Card
  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards
Apply Now
 

Earn Valuable Rewards

Cash Rewards American Express® Card
  • 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations2, 4
  • 2% cash back on eligible supermarket net purchases1
  • 1% cash back on all other eligible net purchases1
  • $25 cash back awarded after first purchase
Apply Now
Visa® Real Rewards Card
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No caps or limits on the number of points you can earn, and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase3
Apply Now
Premier Rewards American Express® Card
  • Earn 4 points for every $1 spent on eligible net restaurant purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • No caps or limits on the number of points you can earn, and you have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA Pre✔®7
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1 - Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 - Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

3 - First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

4 - The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 - Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 - Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7 - Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

Debit Card

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

For 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 the link below for instructions.

Lost, Fraud and Stolen Info