A woman using her debit card on her mobile phone.

Beacon Debit Card

Complete your checking account with a debit card* from Beacon. It’s convenient for spending and doubles as your ATM card. Call (260) 563-7443 ext. 0 or (800) 762-3136 ext. 0 to order your Beacon Debit Card today.

  • Use your card to shop online, in-store, or by phone – anywhere VISA is accepted**

  • With CardSmart, you will be able to protect and manage your debit card in real-time, anywhere, anytime through your mobile app

  • With Design a Debit, you can upload your favorite photos of family, friends, or your own art creation to make your debit card as unique as you. 

  • Enjoy simplified shopping using your mobile device and mobile wallet

  • Enroll in Debit Card Round Up and watch your savings grow

  • Lost your card or experienced fraud? Debit on demand can put a replacement card in your hand right at the branch*** 

  • Fraud Watch and Fraud Watch Alerts helps protect you from unusual or potentially fraudulent activity

*Beacon ATM and Debit Cards with no usage for a period of six months may be subject to non-activity closure. Checking account required. **Some exceptions apply.  See debit card restrictions by clicking here. ***Available at select locations.

Debit Card Overspend Protection
(Reg. E Opt-in)

If your account is active in Courtesy Pay and you would like us to authorize and pay your one time/everyday debit card and ATM* transactions using Courtesy Pay, Reg. E Opt-In is now available. Click below to opt-in.

  • Have peace-of-mind knowing that your  one time/everyday debit card and ATM* transactions will be covered using Courtesy Pay.

  • If you change your mind at any time, you can use the same link below to opt-out. Terms and conditions are listed on the Regulation E Opt-In form.

Opt-in

*You will be charged a fee per item paid by Courtesy Pay according to Beacon’s Fee Schedule.

A close up of a person using their card at a store.

Merchant Dispute

A Merchant Dispute may be submitted to dispute a transaction that was authorized by the cardholder, but now needs to be disputed due to one of the following reasons. If you have a fraudulent transaction, please contact our Fraud Department at 800-762-3136 ext 2292.

Did you contact the merchant?

No – Please contact the merchant to report the duplicate transaction and request a refund.

Yes – If the merchant said they would issue credit you must wait 10 days to allow the Merchant to issue the credit. If there is not credit in 10 days, you may file a merchant dispute.  If the merchant says they will not issue a credit, you may file a merchant dispute now.

Did you contact the merchant?

No – Please contact the merchant to report the error and request a refund for the difference.

Yes – If the Merchant said they would issue credit, you must wait 10 days to allow the Merchant to issue the credit.  If there is no credit in 10 days, you can file a merchant dispute.  If the Merchant says they will not issue a credit, you may file a merchant dispute now.

Did you contact the merchant?

No – Please contact the merchant to report the transaction and request a refund.

Yes – If the Merchant said they would issue credit, you must wait 10 days to allow the Merchant to issue the credit. If there is no credit in 10 days, you may file a merchant dispute. If the merchant says they will not issue a credit, you may file a merchant dispute now.

Has it been 10 days since the Merchant said they would issue credit?

No – You will need to wait 10 days from date of credit issued.

Yes – You may file a merchant dispute now.

Did you contact the Merchant after the recent transaction posted?

No – Please contact the Merchant to report the transaction and request a refund.

Yes – If Merchant said they would issue credit, you must wait 10 days to allow the Merchant to issue the credit. If there is not credit in 10 days, you may file a merchant dispute. If the merchant says they will not issue a credit, you may file the merchant dispute now.

Did you call the Merchant after you expected to receive the package?

No – Have you waited the allotted time to receive merchandise based on the Terms & Conditions? Please call the Merchant to report non-receipt of merchandise and request either a refund or reshipment of the product.

Yes – If Merchant said they would issue credit, you must wait 10 days to allow the Merchant to issue the credit. If there is no credit in 10 days, you may file a merchant dispute. If the Merchant says they will not issue a credit, you may file the merchant dispute.

Has it been 30 days since merchandise was returned?

No – You will need to wait 30 days from the date of return.

Yes – Contact the Merchant to request the status of merchandise for refund. If the Merchant says they have received and are refunding, you need to allow the 10 days to receive credit.  If they say they have not received it, you may file a merchant dispute now.  A copy of “return received” needs to be included with dispute.

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