ATM Cards

ATM Cards

Contact the bank for fee information.

Fast Facts: Young Americans Bank ATM Card

  • For withdrawals only; no deposits
  • Can withdraw maximum of $100 per business day
  • Transaction fees charged by Young Americans Bank – $1.50 (first 2 each month free)
  • No ATM terminal charge when used at any FirstBank ATM (transaction fees still apply)
  • No annual fee

Automated Teller Machine (ATM) cards let you access your accounts from ATMs all over Colorado, the US, and even some foreign countries. ATM cards make accessing your savings or checking account easy, but they are not free. Each time you use an ATM card you usually have to pay 2 different fees:

Transaction fee – this fee is charged to you by Young Americans Bank each time you use your ATM card and will appear on your quarterly or monthly statement from Young Americans Bank.

ATM charge – this is charged to you by the owner of the ATM. ATM charges can be different depending on which type of ATM you are using. The ATM will tell you the specific charge before completing your transaction. This fee will also appear on your quarterly or monthly statement from Young Americans Bank.

Remember, ATM cards cost money to carry and use – but if you need access to your money when the bank is closed, an ATM card may be the right choice for you.

When you get your ATM card, you will also get a Personal Identification Number (called a PIN). You enter this code number each time you use an ATM. This helps prevent someone else from using your card if it is lost or stolen. Remember – never keep your PIN with your ATM card!

Special Note: Through special arrangements with FirstBank, you will not have to pay an ATM charge when you use your Young Americans Bank ATM card at their ATMs. However, you will still have to pay the Transaction Fee charged by Young Americans Bank for the third transaction and beyond.


Debit Cards

Contact the bank for fee information.

Fast Facts: Young Americans Bank Debit Card

  • Can only use with Young Americans Bank checking account
  • Can be used for ATM access (all ATM transaction fees apply)
  • $500 open-to-buy limit
  • $100 per day ATM withdrawal limit
  • Required to take a Debit Card class
  • One-time fee of $5.00 for new cards

When you use a debit card, it’s like you are writing a check. The benefit of having a debit card is that it may be more accepted than checks, especially out-of-state and in other countries. A debit card can be used anywhere VISA is accepted. That means you can use it like a credit card for purchases.

However, unlike a credit card that lets you ‘pay later,’ with a debit card you are ‘paying now’ and taking money directly from your checking account. You can also use a debit card at an ATM to get cash from your bank accounts or at participating retailers for cash back (requires PIN).

Debit cards are complex products to use and understand. Before you get a debit card, you will need to spend 20 minutes with the New Accounts representative to help you understand:

  • How your card will work
  • The difference between the many ‘plastic’ cards out there
  • The good and the bad of debit cards
  • Confusing terms such as ‘open-to-buy’

Lost or Stolen Card

If your debit card is lost or stolen during Bank business hours, please immediately call us at 303-321-2265.  If the Bank is closed, immediately call 1-800-554-8969.

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