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Debit Cards
Personal Banking Debit Cards

Leave Home Without Your Checkbook

Athens Federal MasterCard debit cards are instant-issued on the same day you open an account at any Athens Federal branch. Yes, SAME DAY. Your debit card gives you round-the-clock access to your cash and the ability to pay for purchases directly from your AFCB checking account at millions of locations worldwide, wherever MasterCard is accepted.

Use your debit card to:

  • Withdraw cash, check account balances and transfer funds between accounts after bank hours at ATMs
  • Make secure online and telephone purchases
  • Make purchases at participating supermarkets, gas stations and other retailers
  • Pay bills or set up recurring auto payments

And, now you can manage your debit card via the AFCB Mobile App anytime, anywhere!

Lost or Stolen Debit Card, Suspected Card Fraud or Denied Transactions?

If your debit card has been lost or stolen, please call 1-800-526-3572 during banking hours.
If you are calling after hours or during a weekend or holiday, please call 1-866-546-8273.

If your debit card transaction was denied and you received an email, phone call or text message from our fraud monitoring service, please call our debit card fraud hotline (anytime) at 1-800-417-4592. Please do not call this number to report a lost or stolen card.

We suggest adding 1-800-417-4592 to your phone contacts and labeling it "AFCB Fraud Center," so it will display should you get a call from this number. Please note you cannot call this number unless you have received a message from the Fraud Center and an active alert has been placed on your card. 

If you received an email, phone call or text message about a debit card transaction and you have questions, please follow the callback instructions to contact our fraud hotline at 1-800-417-4592. Keep in mind that in the event your debit card transaction was denied for any reason other than potential fraud on your card, the fraud hotline does not have the ability to provide you with account information and you will need to contact the bank during normal business hours with questions.

Frequently Asked Questions about Debit Cards


SMS Guardian

Have you are someone you know been affected by a debit or credit card compromise?

Protect yourself from merchant and consumer fraud compromises with SMS Guardian from Athens Federal, with immediate text alert fraud protection for your peace of mind. And, even better, it costs nothing to enroll.