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TBOC: Debit/ATM Card Information



For questions regarding your debit card and checks, please contact us at:

Stock Yards Bank & Trust
(502) 582-2571

Debit Cards & ATM Cards

If you currently have a THE BANK – Oldham County Debit or ATM card, you will be issued a new Stock Yards Bank Master Card Debit or ATM card.  It will be mailed out in a plain white envelope the week of July 22, 2013.  Immediately after receiving your card in the mail, you may call 1-800-992-3808 to activate your new card and select your PIN; there will not be a separate PIN mailer.

NOTE:  You will NOT be able to use your new card until Monday, August 12th, 2013 starting at 6:00 AM and only after it has been activated by calling 1-800-992-3808.

Can I still use my THE BANK – Oldham County Debit/ATM Card?
Your current THE BANK – Oldham County card will continue to work until 9:00 AM on August 12th.

When can I start using my new Stock Yards Bank Debit/ATM Card?
You may start using your new card on August 12th at 6:00 AM, given that it has been activated.

How do I activate my new Debit/ATM card?
Your new Stock Yards Bank Debit/ATM card may be activated by calling the phone number located on the sticker on the face of your new card.   That number is 1-800-992-3808.  You will be able to activate your card and select you PIN at the same time after verifying security questions.

 You may activate your card any time after you receive it in the mail, but you will not be able to use the card until August 12th at 6:00 AM.

What if I do not receive my new Debit/ATM card?
If you have not received your new Debit/ATM card by August 5th, please contact customer service at (800) 625-9066 or (502) 582-2571.

What fees apply to my card?
You may incur a fee from using a Non-SYB ATM.  These fees may vary based on the ATM used.

What are the daily limits on my new card?

Type of Card

Offline ATM
Offline POS
Personal Debit Card $600 $2,000 $300 $800
Business Debit Card $200 $1,000 $300 $300
ATM Only Cards $600 $600 $200 $1,000

Will I still be able to use the same ATM’s? 
As of August 12th, you will be able to use any of the 34 Stock Yards Bank and Trust ATMs (including the previous THE BANK ATMs) in the Oldham County, Louisville, and Southern Indiana, Indianapolis or Cincinnati areas.

The Alliance One network will no longer be effective as of August 12th.  Any ATM transactions that occur at Alliance Participating Credit Unions or Banks will now be considered a Non-SYB transaction and be subject to fees, where they may apply.

What should I do if I have automatic payments linked to my Debit Card?
If you have any automatic payments linked to your THE BANK Debit card, you will need to notify those vendors of your new Stock Yards Bank card number and expiration date, effective August 12th, 2013.

If you do not change your debit card information, any payments that attempt to be paid from your THE BANK debit card will be rejected as of August 12th, 2013.
Should I notify the bank if I will be traveling outside of the region and plan on using my Debit/ATM Card?
Yes, you should contact us as soon as possible to ensure that your card will work properly while you travel; especially if you plan to travel outside the United States. 

Are there countries that are blocked or restricted for Debit Card Purchases or ATM usage?
Yes.  Our Fraud Protection system prevents transactions from blocked countries.  If you would like a list of these countries, or if you have difficulties using your card in certain countries, please contact customer service at (800) 625-9066 or (502) 582-2571.

How do I sign up for Master Card Secure Code?
THE BANK – Oldham County offered a service through Visa called “Verified by Visa”.   This service was exclusively for Visa cardholders and offered  customers added security by helping ensure they were the only customer to use their Visa card online. This ‘Verified by Visa’ service will discontinue, but will be replaced by Master Card Secure Code. 

To register for Master Card Secure Code, simply go to and look for the ‘To Register for Secure Code’ link.  This will take you to the Master Card Secure Code website where you will be able to register.

Important: You will not be able to register for Master Card Secure Code until your card is both activated and live on August 12th, 2013.

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