Person making a purchase with a debit card
Young woman laying on the couch with her feet crossed holding a debit card working on a laptop

Debit Cards

Shop and bank with confidence!

Looking for a better way to pay?

With your First Bank of the Lake Debit Card, you can shop at millions of stores, online and in person. You’ll also be able to use your card at ATMs and some stores will let you get cash back after making a purchase. Plus, all your card transactions are easy to view in Online & Mobile Banking, so keeping track of everything is simple.

Your Debit Card is FREE – no fees, just simple convenience.

Plus, your Debit Card comes with EMV chip-activated technology for enhanced security. You card is more secure than ever before!
  • Make purchases at millions of locations worldwide. 
    Purchase are automatically deducted from your checking account so there are no finance charges.
  • Purchase details appear on your monthly checking statement so tracking your spending is easy.
  • Make shopping even easier…update your Amazon® account for faster checkouts.
Young woman wearing a straw hat smiling while holding a credit card
  • Your card is accepted more readily than checks and adds an extra layer of security with new EMV Chip Technology.
  • With the CardValet® app, easily freeze your debit card when it’s misplaced and unfreeze when it’s found.
    CardValet
  • View recent transactions, balances and monthly statements with Online and Mobile Banking*
  • Sign up for Online or Mobile Alerts to get notified of activity on your bank accounts.
  • Zero Liability** means you are protected from unauthorized charges when promptly reported.
If you have a First Bank of the Lake checking account and do not have a debit card, you can order your card by visiting us or calling us at 573.348.2265.


Want to earn cash back on debit card purchases?

Make shopping more fun. Open a Free Kasasa Cash Back® Checking Account and earn 4.00% cash back on your everyday debit card purchases, up to $120 back per year.


  1. Insert the chip end of your card into the terminal with the chip facing up.
  2. Keep your card in the terminal and follow the prompts.
  3. Remove your card when prompted and take your receipt.
  4. For over the phone or online purchase, provide your card information the way you always have when you’re ready to make a purchase.
  5. Merchants without chip terminals may ask you to swipe the magnetic strip.
If your card is lost or stolen, immediately call 800.417.8715, 24 hours a day, 7 days a week. You will have the option to order a replacement debit card during your call.

Please Note: If you find someone’s card, please return the card to: First Bank of the Lake, 4558 Osage Beach Parkway, Suite 100, Osage Beach, MO 65065, or call 573.348.2265.
Traveling outside the state or the country? Avoid having your debit card denied at the register – notify First Bank of the Lake before you leave. Notifying us of your travel plans helps prevent your debit card transactions from being blocked during your travels.

If you are traveling, please give us a call at 573.348.2265 or toll free at 888.828.0167 during regular business hours, Monday thru Friday 8 am to
5 pm CT to notify us of your upcoming travel. 

Please note: Travel notices require overnight processing to take effect. All requests are handled during regular business hours, Monday thru Friday from 8 am to 4 pm.

Other financial precautions to keep in mind when you travel
Notifying us about your travel plans is not the only financial precaution you should take. If possible, bring more than one credit or debit card with you and stash one in a safe space outside your wallet in the event that your wallet is lost or stolen. Check out our Debit Card Travel tips for more helpful travel safety tips. 


Help protect the cards in your wallet from fraud with CardValet®.

It’s the app on your phone that lets you decide how your card is used.
You can control where purchases are made, limit purchase amounts, add alerts, set card limits and even turn your cards on and off instantly. It’s your card, on your terms!
Enjoy complete control over your credit and debit cards.

Sign up for CardValet® today!


Boy is smiling while holding his debit card and cell phone.

Enjoy complete control over your credit and debit cards. Sign up for CardValet® today!