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Instant Issue Debit Cards

Now introducing Instant Issue Debit Cards. 


Worldwide Acceptance
with around-the-clock customer service with lost and stolen DEBIT card reporting

Zero Liability Protection
means you can Shop with confidence 

Available with any Checking 
and works on any device

Life doesn't wait. Get your Card in an Instant.

Get access to your funds right away with an Instant Issue Mastercard® Debit Card that is convenient and secure and at no additional cost.

If your Debit Card has been lost or stolen, we can replace your card the same day with an Instant Issue Mastercard® Debit Card. Visit your preferred banking center to request a new card.

Benefits of Instant Issue Mastercard® Debit Cards:

  • Opening a new account? Receive your new card the same day.
  • Lost or stolen debit card? Visit your preferred banking center to get a replacement instantly.
  • Fraudulent activity detected? Ask for an Instant Issue replacement card.



Debit Card Account Features

  • Contactless payment option – Simply Tap & Pay at participating vendors
  • Worldwide Acceptance - Around-the-clock customer service with lost and stolen debit card reporting.
  • Zero Liability Protection from unauthorized charges
  • Fraud monitoring 24/7
  • Travel Notification

Review Debit Card Terms & Conditions

Review Unlawful Internet Gambling & Your Debit Card transactions

  • Activate your Debit Card
  • Reset your PIN 

Other considerations

A $3.00 ATM transaction fee (per transaction) will be assessed if you use a non-Prosperity Bank ATM. Royal Account holders are exempt from this ATM transaction fee; however, the other bank's ATM surcharges apply. If your checking account is linked to an overdraft line and you activate the line, the standard rules and fees apply to the amount borrowed.

Important card reminders:
• Report lost, found, or stolen Prosperity Bank debit cards immediately to 1-800-531-1401.
• If traveling outside of your typical geography, please notify Prosperity Bank at 1-800-531-1401.

Frequently asked questions

Do I need to use a Pin with my Mastercard® chip card?

Yes, in most cases you’ll input your PIN for debit card purchases. For certain types of transactions involving relatively small purchase amounts, you may not be required to input your PIN or sign for the transaction.

Where can I use my chip card?

You can use your card where you always have, at millions of places that accept Mastercard® Debit cards, at home, and around the world.

How am I protected by Mastercard’s Zero Liability Policy?

If your card is lost or stolen, you are protected against unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:

  1. You have used reasonable care in protecting your card from loss or theft; and
  2. You promptly reported loss or theft to your financial institution.

If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorized transactions, please contact your local banking center or our Customer Service at 800-531-1401. Note: Zero Liability does not apply to the following Mastercard payment cards: commercial cards, or unregistered prepaid cards, such as gift cards.

What to do:

If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution immediately.

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