How to Use Your Card

The Smart Banking Card is a reloadable prepaid Visa debit card. Because it is prefunded, and not tied to a checking account, spending is limited to the amount of money you load on the card, so there is no risk of overdraft or interest charges. It’s a great money management tool.

  • Use it everywhere Visa is accepted
  • Pay utility and other bills online or by phone
  • Pay for gas, groceries and more
  • Get cash from ATMs

To Make a Purchase

Be sure to know your card balance before you shop, as most merchants cannot determine it for you. At the time of purchase, your card can be used in a “signature” or a “PIN” transaction.

  • For signature transactions

    • Give the card to the cashier and sign the purchase receipt.
    • Or, swipe the card through the keypad and push the “credit” button, then sign the receipt.
    • Each time you use your card, the purchase amount is automatically deducted from your card.
    • There are no processing fees for signature transactions.

  • For PIN transactions, or to get cash back when making a purchase

    • Swipe your card and choose the "debit" button, then select the cash back amount, enter your PIN, and take your cash and receipt.
    • Each time you use your card, the purchase amount plus any cash withdrawn is automatically deducted from your card.
    • A $.50 processing fee applies to each PIN transaction.
  • Always retain a transaction receipt for your records.

To Get Cash at an ATM,

  • Insert your card into the machine and enter the PIN you received when you activated your card.
  • Select the "checking" option on the screen to make a withdrawal and enter the amount of cash you want to withdraw.
  • Take your cash, card, and receipt to keep track of your balance.

Each time you withdraw from an ATM, the amount is automatically deducted from your card.

You can get cash from ATMs anywhere you see a Visa, PLUS or Publix Presto! symbol displayed.

Refer to the Terms and Conditions information that came with your card for fees associated with ATM transactions. Typically there will be a charge by the ATM owner for using the ATM.

Always keep a record of your purchases or withdrawals.

  • New! Sign up for text message notification of your balance. Enroll

Important symbols to take note of for purchases, cash access and loading