ATM and Debit Cards

Important Notice for All Queenstown Bank Customers: To report a lost or stolen ATM/Debit Cards after normal business hours, please call (800) 472-3272. To report a lost or stolen ATM/Debit Card during regular business hours, please call (410) 827-8881 and ask to speak with a representative from our Electronic Banking Department for assistance.

Notice to all Queenstown Bank of Maryland Visa Debit Cardholders

Due to a dramatic spike in card fraud on non-pinned transactions lately in New York, Connecticut and New Hampshire, effective immediately we will require the use of your PIN to complete transactions in these states. The use of PIN will continue to be required to complete transactions at any store that is categorized as a ‘grocery’ or ‘drug/pharmacy’ merchant.

If your transaction is declined, try again as a DEBIT transaction using your PIN. Using your assigned PIN for any card transaction increases your level of security. Queenstown Bank does not charge any additional fee for a PIN transaction using your Visa debit card. This decision has been made to protect our cardholders from further fraudulent activity. We apologize for any inconvenience this may cause.

CardValet Logo


CardValet is a free mobile app that puts you in control to define when, where and how your debit card is used.

Data breaches have become more commonplace, compromising millions of cards and changing attitudes about security in the payment system. There is not much a consumer can do to prevent cards from being compromised.

CardValet is a new debit card management and fraud mitigation tool for debit cardholders. With this free app, cardholders have the ability to actively manage their debit card usage – setting parameters for when, where and how a debit card is used.

“This is a completely new approach to debit card management and a powerful tool,” Queenstown Bank Chief Operations Officer, Tracy Whitby-Fairall says.  “I can turn ‘off’ my debit card from my smartphone, and then turn it back ‘on’ when I want to use it.”

The On/Off feature is only one of the safeguards available with CardValet. Using the GPS system in your smart phone, geographic use restrictions can be established with your debit card. Other controls can restrict usage by merchant and spending limit right from your smartphone. Realtime alerts create another layer of fraud protection by bringing it to your immediate attention that a transaction was attempted and/or declined.

Mitigating debit card fraud is a partnership between consumers and banks, and with CardValet, Queenstown Bank debit cardholders have a way to actively monitor and control their debit card usage. CardValet is a free mobile app, however, it can only be used with debit cards from participating financial institutions. “Queenstown Bank is proud to be one of the first banks in our region to participate,” Whitby-Fairall said. “We were quick to recognize how CardValet could empower our customers and provide a peace of mind.”

CardValet is available through the Apple App Store and Google Play App Store and can be used with consumer and business debit card accounts at Queenstown Bank.

 Apple Store  Google Play Store Logo

Surcharge-Free ATMs

All customers are now able to access, free of charge, all Queenstown Bank, The Peoples Bank, Provident State Bank and Money Pass ATMs. This is just another way Queenstown Bank is offering you the ease and convenience of banking.

Queenstown Bank ATM Card

This card is available for all deposit accounts. Your ATM card allows cash withdrawals, deposits, and transfers at no fee when using any Queenstown Bank ATM machine. You can also use your ATM card for merchants who accept PIN-based transactions. Charges shown below occur only if a cash withdrawal or balance inquiry is completed at an ATM other than a Queenstown Bank, Provident State Bank, The Peoples Bank or Money Pass ATM machine. Other bank ATM machines may also assess a surcharge.

Queenstown Bank of Maryland Visa Debit Card

For even more convenience, apply today for our Visa Debit Card. This card will provide all the convenience of our regular ATM card as well as the ability to use the card anywhere Visa is accepted. The funds come directly from your checking account without the hassle of writing a check. (We reserve the right to refuse to issue a VISA Debit card based on credit history or past performance either with Queenstown Bank or another institution.)

A fee of $1.00 for each withdrawal and $0.50 for each balance inquiry will be assessed if a transaction is completed at an ATM other than a Queenstown Bank machine.

A fee of $6.00 will be charged for replacement of an ATM/Debit card or PIN.

Fraud Protection Services

The Queenstown Bank has fraud protection services in place to monitor account transactions. If at any time transactions conducted through your debit card account appear to be out of the ordinary you may be contacted by phone and made aware of such transactions. You will never be asked for any personal information such as account number and/or PIN. It is very important to NEVER provide any personal information to anyone by phone unless you initiate the call. Should you have any question as to the validity of a phone call please do not hesitate to contact your branch office or our Operations Department at (410) 827-8881.

ATM/Debit Card FAQ

Is there an additional charge if I use my ATM or Debit Card for a pinned transaction at a Point of Sale (POS) terminal?
No. Queenstown Bank of Maryland does not assess a fee if your ATM or Debit Card is used for a pinned transaction at a POS terminal.

What do I need to do when my ATM/Debit Card is about to expire?
If you notice that your ATM/Debit Card is about to expire you don’t need to do a thing. We automatically send out new ATM/Debit Cards to customers the month of their expiration.

What do I need to do when I am planning to use my ATM/Debit Card while on vacation?
Before leaving on your getaway, we recommend that you stop into one of our 8 conveniently located branches, email us at or call us at 410-827-8881 to let us know that you plan on using your ATM/Debit card while you are out of town. All you will need to do is tell us the dates that you plan on being away and where you plan to go. Customer security is of the utmost importance at Queenstown Bank and there are fraud preventions in place that could limit your card usage if irregular activity occurs. 

How do I order a replacement ATM/Debit Card if mine is broken or has stopped working?
Unfortunately, this does happen. When cards get worn, they often crack or become demagnetized. To order a replacement, all you need to do is visit one of our branch locations and fill out a replacement card application. For security reasons, we ask you to do this in person so that we can verify your information to insure that your replacement card is being ordered by you, the cardholder. A replacement card order will arrive in 8 – 10 business days.

What if I forget my PIN?
For your security, PIN information is not kept on file with the bank. In order for us to reissue you a PIN we ask that you please visit one of our branch locations and fill out a replacement PIN application. Once the application is received a new PIN will be sent to you in 8 – 10 business days.

What is the Money Pass Program?
The Money Pass program is a network of banks that provide surcharge free ATM locations nationwide. Queenstown Bank of Maryland participates in this program so that any ATM machine with a Money Pass logo is surcharge free to you, our customer.

How can I find a Money Pass ATM Machine?
Finding a Money Pass ATM is easy. All you need to do is visit and start searching.

Money Pass Logo