Personal Banking
ATM, Debit & Credit Cards

ATM Cards

ATM cards provide access to your money 24 hours per day, 7 days a week! Withdraw cash, transfer between checking and savings, and check available balances for free at thousands of MoneyPass® ATMs.

Visit the Money Pass website to locate surcharge-free ATM locations throughout the country.

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Debit Cards

You can use your Winona National Bank debit card just like your ATM card, but in addition, you can also use it anywhere that Visa is accepted. All transactions are taken directly from your checking account. Photo debit cards are available for increased identification-theft security. Winona National Bank debit cards have the Cirrus, MoneyPass® and Pulse logos, which provide you access to your money at millions of ATMs throughout the world.

If your card is lost, stolen, or not working properly, call one of these numbers for assistance:
During banking hours: 1-507-454-8800
Nights and weekends: 1-866-546-8273

Visit the Money Pass website to locate surcharge-free ATM locations throughout the country.

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Green Rewards Debit Card

Our Green Rewards debit card offers all the benefits of our regular debit card with the added bonus of cash back on signature and non-PIN transactions.*

*Green Rewards Cash Back transactions include all debit card purchases made without using a PIN. These purchases include: when you sign the receipt, Internet, phone or mail-order, small dollar amounts that do not require a signature, pay at the pump when “credit” is selected, and bill payments (where billers process the transaction as a credit card). Cash advances and ATM transactions do not qualify. If asked "Debit or Credit," always select "CREDIT". The money for your purchase is always deducted from your checking account when you use your debit card, even if you select "Credit." Your Green Rewards Cash Back will automatically be deposited into your checking account monthly.

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Avoid Having Your Debit or ATM Card Declined

If you do not specifically "opt-in" for Bounce Protection, our overdraft privilege service, your ATM and everyday debit card transactions may be declined. Be assured your Bounce Protection is available on your debit and ATM card for your everyday shopping. View our Reg E Opt In Form.

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FraudWatch

Fraud can hit anytime... but you’re protected. You may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. That’s because the debit cards we issue are protected by FraudWatch® PLUS. With FraudWatch PLUS:

  • Trained analysts watch for suspicious transaction activity on your behalf, 24 x 7, 365 days a year.
  • You will be contacted immediately by an experienced fraud analyst to verify the authenticity of your card transactions, if warranted. So if you ever get a call from “Fraud Prevention Services” know that our watchdogs are doing their job and preventing potential fraudulent use of your card.

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    Credit Cards

    Find the card that's right for you! Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that's right for you!

    Visa® Bonus Rewards Card 

    • Get 25% more on all points earned*
    • No caps or limits on points earned
    • $25 cash back with your first purchase

    Visa® Platinum Card

    • Our best introductory APR offer
    • Pay down your other credit card balances faster
    • Save on interest

    College Rewards Visa® Card

    • Low rates, manageable credit lines
    • Earn 1 reward point for every $1 in net purchases
    • Receive 1,000 bonus rewards points with your first purchase

    *The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points). The creditor, issuer, and service provider is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

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    Visa® Pre-paid Gift Cards

    The Visa® Gift Card is a non-reloadable, pre-paid gift card that can be used worldwide anywhere Visa is accepted. It is the perfect solution for holidays, birthdays, graduations, business incentives, and more! You can purchase gift cards online or from our tellers at all three Winona National Bank locations.

    *Fees may apply.

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