Card Services

Below you’ll find information to assist you with your current BNC Debit, ATM, or Credit cards…. Not a cardholder? Read about BNC’s selection of cards available to you!

VISA Debit/ATM Card

Safer than cash, and easier than checks

  • Purchases or withdrawals come out of your BNC checking account that is linked to your card
  • You can also use it at millions of locations where Visa® check/debit cards are accepted including grocery stores, restaurants, gas stations — even for Internet and phone purchases.

Report Lost or Stolen ATM/Debit Card
Instructions to activate your debit card or change your PIN

BNC National Bank has implemented a new fraud prevention system called JHA PassPort Fraud Center. This service monitors and detects possible debit card fraud and contacts the customer if fraud is suspected.  You can also assist us by contacting us immediately whenever you see any suspicious or unauthorized activity on your account.

For more information on these fraud prevention steps please contact your local BNC branch bank.


Help fight fraudulent debit card transactions by signing up for Guardian.  Enrolled customers will receive a text when their debit card has been used in one of the following ways:

  • For International Transactions
  • On transactions greater than $500
  • When your debit card is not present in the transaction (ex: online shopping)
  • Eight or more transactions in a 24 hour period
  • When your card is used in another state
  • When your card is declined

This is a free service through BNC, although your carrier’s message and data rates will still apply.

Click here to enroll in Guardian.

Credit Cards through Élan

Click here to learn about all Elan credit card products or to APPLY NOW for the Élan Visa Platinum Travel Card, Élan Visa Platinum Card, Élan Visa Classic Card and the Élan College Visa Classic Card.

Click here to access your existing Élan credit card account.

For more information contact Élan's 24 hour toll-free card member service center at 1-800-558-3424

To report lost or stolen Credit Card or to report fraudulent charges call:

Card member Support
Consumer Card: 1-800-558-3424
Business Card: 1-866-509-6772

For more information on this or other products and services Contact Us.

Online Banking

Application Center

Select from the list below to open the account of your choice today!

How Can We Help You?

Not in our list? No problem! Contact us or call 1-800-BNC-BANK and we will gladly help you.



Deluxe Personal Check Ordering



BNC National Bank Switch Kit