Welcome to Westfield Bank.

Debit cards provide you with quick, easy access to your money, and a simple way to pay for purchases. 

Use your debit card for: 

• In-store purchases by inserting your card’s chip or swiping your card with a Mastercard compatible card reader or online purchases utilizing your card’s information, both of which are limited by the available funds in your account
• Withdrawing cash from an ATM, limited to $610 daily 

• Charge your account immediately after purchases are made
• Withdraw cash from your account at a conveniently located ATM
• Make any transaction size with ease using available funds from your account

When using your debit card, your money is directly withdrawn from your checking account. Since debit cards are not a form of credit, your debit card activity will never appear on your credit report or influence your score.

You can use your debit card internationally to:

• Make withdrawals
• Complete transactions and purchases where Mastercard is accepted

Travel with confidence by letting us know before you go. Set up a travel notification in the My Westfield Bank app or online banking for continued card usage abroad. 
 

Transactions are typically denied when funds available in your account are less than the amount required to make a purchase or for security reasons. 

For more assistance, please contact the Customer Resource Center Monday-Friday from 8am to 6pm, Saturdays from 9am to 12pm, or leave a voicemail after hours at 800.368.8930.
 

Your refunded money will return to your account after Westfield Bank and the company the purchase was made from process the transaction.

If your card was lost or stolen, deactivate your bank card and request a replacement via your My Westfield Bank app, online banking, online chat, or dial 800.368.8930 and press 1.

Freeze and unfreeze your card in your My Westfield Bank mobile app.

1. Log in to your My Westfield Bank app. If you haven’t downloaded the app yet, start here
2. Once logged in, select the menu button (≡) in the top left corner of your mobile device 
3. Select “Banking Services” in the expanded menu tab
4. Choose “Guard My Card”
5. Begin following the prompts to freeze or unfreeze your card

Use online banking to freeze and unfreeze your card.

1. Log in to your online banking account
2. Select “Banking service center”
3. Choose “Card Services” located under “Card and Online Services”
4. Begin following the prompts to freeze or unfreeze your card

When making a purchase with your debit card, you may be asked to enter your PIN or provide a signature on your sales receipt. 

PIN transactions are typically settled more quickly than signature transactions. Using your PIN to make purchases can reduce the chance of chargebacks on your card and immediately deduct funds from your checking account. When making larger purchases, the fees associated with processing the transaction may be lower than when making smaller purchases.

Signature transactions may take several days to be deducted from your account. When using signature transactions, fees for making a purchase are charged according to a percentage of the sale. 

If a check, item, or transaction is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item for insufficient funds (NSF).