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Bear State Visa Debit Card

Bear State Bank’s Visa Debit Cards now come with chip card technology, or EMV, which includes an added layer of protection. The embedded microchip makes it more difficult to duplicate the card, which provides greater security when trying to prevent fraudulent activity.

Use your free Bear State Visa Debit Card to make purchases every day- online and on the go. The money is seamlessly drafted directly from your account. The new cards are equipped to perform both a chip-based transaction as well as a magnetic stripe-based transaction. Wherever you see the Visa symbol, simply dip the chip or swipe, sign and go!

  • Free with all Bear State checking accounts*
  • Avoid check-writing stress (you know, like when the pen won’t write)
  • Works as an ATM card
  • Get a detailed transaction description on your monthly statement
  • Safe and secure method of payment

*Approval required to receive ATM/Debit card with Renew Checking account.


All new Bear State Debit Cards are being issued with this chip technology. Once your existing card expires, your replacement will be an EMV debit card. Need a debit card today? We can instantly issue a new EMV debit card at the following locations:

  • Harrison  //  1401 Hwy 62/65 North, Harrison, AR 72601
  • Hot Springs  //  135 Section Line Road, Hot Springs, AR 71913
  • Jonesboro  //  2009 Browns Lane, AR 72401
  • Mena  //  600 Hwy 71 South, Mena, AR 71953
  • Rogers  //  2000 Promenade Blvd, Ste 103, Rogers, AR 72758
  • Springfield // 3550 South National, Springfield, MO 65807

Bears are fiercely protective of their own, as are we when it comes to protecting your accounts at Bear State. Not only have we made our debit cards more secure by including the new EMV technology, we also offer two additional services to help keep your account safe.

SecurLOCK Communicate

SecurLOCK Communicate, a fraud alert management service, is available for your Bear State debit card. This service is designed to provide you with the opportunity to actively engage in our fraud protection and detection strategies and decrease fraud losses. SecurLOCK Communicate includes real-time, two-way SMS text for quicker fraud identification and prevention, as well as interactive voice and email fraud notification if no response is received from you by text or phone calls. This protection is only as good as the information we have on file for you so, please take the time to make sure your contact information is current.

Below is an example of an alert message:

FreeMsg: Bear State Bank Fraud Dept 8662423324: Suspicious txn on acct 111: $201.99 STORE. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.

If the reply is YES, the case will be closed as not fraud and you will receive the following response:

FreeMsg: Bear State Bank Fraud Dept: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.

If the reply is NO, you will receive the following response:

FreeMsg: Bear State Bank Fraud Dept: Thank You. We will call you or you can call us at anytime at 866.242.3324. To Opt Out reply STOP.


SecurLOCK Equip App

Through this mobile app, you can control how, when and where your Bear State Debit Card is used. It is a simple and secure way to manage and monitor your payment transaction activity

  • Turn entire card on and off by channel (in-store, online, mobile, ATM, etc.)
  • Set transaction spend limits
  • Select geographic locations where the card can be used
  • Set merchant locations
  • Block all international transactions
  • View recent transactions
  • Receive alerts

It’s almost like having your own security support team, accessible 24/7! The app is free, easy to use and available through the Apple App store or Google Play.