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Frequently Asked Questions
Q: What's the difference between a MasterCard® credit card and a Harris Debit MasterCard®?
A: Unlike a credit card, a Harris Debit MasterCard® is a debit card that works like a "plastic check"; when you use it to make a purchase, the dollar amount of the transaction is deducted from your checking account. There are no credit balances to pay at the end of the month, nor are there any fees or interest payments.
Q: Can I use the Harris Debit Card like a check?
A: Yes, it works like a "plastic check;" all purchases made with a debit card are deducted directly from your checking account. However, using a Harris Debit MasterCard® is a real time saver since there is no need to show identification or write any information other than your signature. Plus, there is no wait for a check approval.
Q: How do I make a purchase using a Harris Debit Card and my Personal Identification Number (PIN)?
A: At any merchant displaying any one of the symbols on the back of your card, you can "swipe" your card through the merchant's PIN reader terminal, press the "Debit" or "ATM" button, verify the transaction amount, and then enter your PIN on the keypad. In seconds, the terminal processes the transaction, confirms that funds are available in your account, and a receipt will print. The transaction amount is automatically debited from your checking account.
Q: Can I get cash back when making a purchase using a Harris Debit Card?
A: Yes, you can get cash back at participating merchants when making a purchase
with your Personal Identification Number (PIN). Most merchants will post their
cash back policies on their PIN readers at the checkout. To get cash back when
making a purchase, just "swipe" the
card through the merchant's PIN reader, press the "Debit" or "ATM" button when
prompted, and enter your PIN. The PIN reader will prompt you with a question, "do
you want cash back?" If you reply yes, then it will ask you how much. Most grocery
stores and pharmacies participate in this service. (Note: This service may not
be available in all states or locations.)
Q: Where can I use a Harris Debit MasterCard®?
A: Use it at millions of merchants worldwide that accept Debit MasterCard®, or use it at any ATM bearing one of the network logos on the back of your
card.
Q: How much does it cost to use a Harris Debit Card?
A: There are no monthly or annual fees nor are there fees for purchases; or withdrawals,
deposits, transfers and balance inquiries at Harris ATMs. However, when using
a Non-Harris ATM, other fees may apply, including those that may be assessed
by the ATM owner. Please refer to Your Guide to Deposit Services at Harris for
the definition of a Non-Harris ATM Transaction.
Q: Are there any fees associated with using it to make purchases?
A: No, there are no fees for making purchases with any of the Harris Debit Cards.
Q: Are there any finance or interest charges associated with the Harris Debit MasterCard®?
A: Since this is not a credit card, there are no finance or interest charges.
Q: Can I change the Personal Identification Number (PIN) so it's easy for me and only me to remember?
A: Yes, you can change your PIN at any of the over 550
Harris ATMs in the Harris network, or by calling us at 1-888-340-2265 and
selecting "ATM and Debit Card Inquiries" from the menu (select option 3).
Q: What is the best way to keep track of purchases I make using a Harris Debit Card?
A: Here are a couple of recommendations:
- Keep your receipt and enter it into your checkbook at
the time of transaction, or at the end of the day.
- Review your transactions via Harris Online Banking® or
Harris Telephone Banking®.
- Review the detailed listing on your monthly statement and compare the entries to your receipts. The merchant name or address, date and purchase (or return) amount will be included.
Q: How much can I spend or withdraw per day?
A: Your card does have daily purchasing and ATM withdrawal limits. Your limits
were provided to you along with your new card. To find out what your limits are,
call us at 1-888-340-2265 and select option 3.
Q: Can I return something that was purchased using a Harris Debit Card?
A: Yes, just follow the merchant's standard return policy and a credit will be issued directly to your checking account which will appear on your next monthly bank statement.
Q: How do I handle a billing dispute with a merchant?
A: You should first try to resolve the matter directly with the merchant. If
you are unable to resolve the matter directly, contact us at 1-888-340-2265 (select
option 3), and we will look into the matter.
Q: How safe is this card?
A: Cardholders are protected against unauthorized use of their card. If you suspect unauthorized use, you should report it immediately by calling us at 1-888-340-2265 (select option 3). A Harris Debit MasterCard® comes with MasterCard®'s Zero Liability coverage. This coverage protects you from any unauthorized purchases made using your Harris Debit MasterCard®, however, certain restrictions apply (see the next question and answer). Coverage extends to purchases made in a store, over the telephone, or online. If you notify us within two business days after you learn of the loss or theft, you can lose no more than $50 if your card was used without your permission.
Q: What is my responsibility under MasterCard®'s Zero
Liability program?
A: To be protected under MasterCard®'s Zero Liability program, your checking account
must be in good standing, you must exercise reasonable care in safeguarding your
card, and you must not have reported two or more unauthorized events in the past
12 months. Zero Liability does not apply to commercial cards or PIN-based transactions
not processed by MasterCard®.
Q: How do I apply for a Harris Debit MasterCard®?
A: If you are already a Harris customer OR if you would like to become one, just stop by the closest Harris location and speak to a personal banker for assistance. If you already are a Harris customer and you do not want to go to a Harris location, just call us at 1-888-340-2265 (select option 3).
Q: How do I activate my new Harris Debit MasterCard®?
A: Once you receive the card in the mail, use your card at any ATM and perform
any type of transaction. If you did not originally select your own Personal
Identification Number (PIN), it is also recommended that you change the PIN
as soon as possible at any Harris
ATM, to one that you will be likely to remember. Just select the "PIN Change" option
from the menu listed on the ATM screen and follow the prompts.
Q: What is MasterCard® SecureCodeTM?
A: MasterCard® SecureCodeTM is a service from MasterCard® and Harris that provides
greater peace of mind when you shop online by providing added protection against
unauthorized use of your enrolled card.
Q: How does MasterCard® SecureCodeTM work?
A: Once you've registered and created a SecureCode, each time you make an online
purchase, a window will pop up asking for your SecureCode, just like using
a Personal Identification Number(PIN) at the ATM. When you corrctly enter your SecureCode, your card issuer
confirms that you are the authorized cardholder and your purchase is completed.
No code, no confirmation, no purchase.
Q: How do I enroll MasterCard® SecureCodeTM?
A: To enroll in MasterCard® SecureCodeTM, click
here  .
Please have your Harris issued Debit MasterCard® or
Gold Debit MasterCard® handy as you will be asked
for information that appears on the card.
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