Personal Products

Credit Cards

Credit card payments, lost or stolen cards, and general account and balance information.

General Payment Questions

Where do I send my credit card payments?

Where do I send an overnight credit card payment?

Can I pay my credit card bill online?

How do I send a wire transfer for payment to my credit card account?

Making Online Payments

Can I change or delete my online payment once I've submitted it?

Can I schedule more than one online payment in advance?

Will my online payment affect my AutoPay?

Can I make an online payment from my savings account?

Ordering a Card Replacement

How long will it take to receive my credit card?

Can I have my credit card mailed to a different address?

Can I still use my credit card if it expires this month?

Why didn't the ATM return my credit card?

Can I change the name on my credit card?

Add/Remove Authorized User or Joint Cardmember

Can I allow another family member to use my credit card?

What privileges does an authorized user have on my credit card account?

What privileges will a joint cardmember have on my credit card account?

General Questions

What Credit Card Account Services can I do online?

What should I do if my credit card is lost or stolen?

Can I use my credit card to get cash at an ATM?

How far back can I obtain credit card account information?

Can I activate my credit card online?

Why don't I see the option 'Card Activation' in Account Services?

What types of Account Alerts are available for my Credit Card?

How can I be instantly approved when applying for a credit card?

Debit Cards

Information regarding debit card accounts.

What is a Debit Card?

Design Your Card

Customer guidelines, design service overview, image questions, technical support, fee questions and a glossary.

Customer Guidelines

Eligibility

Different Images for Each Cardholder

Image Updates

Image Approval

Image Denial

Card Expiration

Standard Card

Multiple Accounts

Change in Card Type

Lost or Stolen

Service Cancellation

Service Overview

How does the Design Your Card service work?

Will the same image appear on all cards associated with my account?

Can I put different images on each person's card associated with my account?

Who can access the design service on my account?

How many times can I change the image on my credit card?

I'm already a current customer, how can I design my own card?

How will I know if my image is accepted or rejected?

If my application for a credit card is denied, what happens to the image I uploaded?

General Questions

How long will it take to receive my card?

If my image is rejected will I have a chance to choose another image?

Do I need to re-size my photo before I start?

How can I ensure that my card will look its best?

Can I change the photo if I'm not happy with the preview?

What if my image doesn't fit on the card?

How long will my image be stored?

How can I add the same image to another card on my account?

Technical Support

Do I need to download any software to use this service?

What happens if I choose to decline the "Upload Photo" option?

What if my credit card looks different than the version displayed on the screen?

What if I lose my computer connection at some point during the picture uploading process?

Who will have access to the image that I upload?

Who do I contact if I have questions or problems uploading my picture?

How long will it take to upload my image?

Fees

When my card expires and a replacement card is issued, is there a fee for keeping the custom image on my card?

Is there an annual fee for use of this service?

Is there a fee if my image is rejected?

Glossary

Bitmap (.bmp)

Flip

JPEG

PNG

Rotate

Scale

Show Card Details

Upload

Savings

Checking

Loans

Answers

Credit Cards

General Payment Questions

Debit Cards

  • What is a Debit Card?

    A Debit Card can be an ATM Card or a Visa Debit Card product that gives you access to your checking, savings or prepaid account at millions of Merchant Point of Sale Terminals or ATMs.

    Return to Debit Cards FAQ

Design Your Card

Customer Guidelines

  • Eligibility

    As long as your existing account is in good standing (in accordance with your Cardholder Agreement) and you have at least $100 in available credit, you are eligible to design your own card. Your current account will remain exactly the same, only the design on the face of the card will change. Some card types are not eligible.

    Return to Design Your Card FAQ

  • Different Images for Each Cardholder

    If more than one individual is a cardholder on your account, a different image may be used for each card. Only the primary or secondary cardholder will have access to the design services. During the design process, you have the option of selecting which cardholders on your account will receive each submitted image.

    Return to Design Your Card FAQ

  • Image Updates

    You may submit up to four images on your account per calendar year. You have the option of selecting which cardholder(s) on your account will receive each submitted image. Each separate image submitted will count toward the four image changes allowed per calendar year. For example, if all cards associated with an account have the same image of the family pet, it would count as one image. However, if cardholder #1 has an image of the family pet and cardholder #2 has an image of his/her favorite car, it would count as two of the four images allowed per year.

    Return to Design Your Card FAQ

  • Image Approval

    All images are reviewed for appropriateness according to the Card Design Image Guidelines. By submitting an image, you guarantee that you own or have usage rights to the image and it is permissible to alter, copy, print and distribute the image on the credit card. You agree to indemnify and hold harmless Shelby County State Bank or its affiliates from all claims arising from the use of the image on the card.

    Return to Design Your Card FAQ

  • Image Denial

    Shelby County State Bank reserves the right to reject any image we believe violates the Issuing Guidelines. If an image is rejected, you will be notified by email within three business days. A new image may be submitted at any time following notification.

    Return to Design Your Card FAQ

  • Card Expiration

    Upon expiration, a new card will be sent with the same image as your most recent Card Design. You will not be able to submit a new image request once your card is within 45 days of its expiration date.

    Return to Design Your Card FAQ

  • Standard Card

    If you no longer wish to have a Card Design and want to switch back to a standard card, contact us.

    Return to Design Your Card FAQ

  • Multiple Accounts

    If you have more than one credit card account with us, you must submit an image separately for each account. We cannot transfer the same image to different accounts.

    Return to Design Your Card FAQ

  • Change in Card Type

    If you change card types your image will be transferred to the new card.

    Return to Design Your Card FAQ

  • Lost or Stolen

    If your card is lost or stolen, contact us for a replacement card immediately. Your new card will have the same image as your current Card Design.

    Return to Design Your Card FAQ

  • Service Cancellation

    If an image submitted is pornographic/offensive in nature, or if you repeatedly submit images that are unacceptable, we reserve the right to exclude you from future use of this service.

    Return to Design Your Card FAQ

Service Overview

General Questions

Technical Support

Fees

Glossary

  • Bitmap (.bmp)

    One of the accepted image file formats for designing a card. The method of storing information that maps an image pixel, bit by bit.

    Return to Design Your Card FAQ

  • Flip

    The process of reversing an image. When an image is flipped, the contents of the image that were on the left hand side of the image are moved to the right hand side of the image and vice versa.

    Return to Design Your Card FAQ

  • JPEG

    One of the accepted file formats for designing a card. Most digital camera images are in the .jpg format. Joint Photographic Experts Group, *.jpg. The de facto standard for image compression in digital imaging devices.

    Return to Design Your Card FAQ

  • PNG

    One of the accepted file formats for designing a card. Developed as a patent-free alternative to GIF, the Portable Network Graphics (PNG) format is used for compressing and displaying images on the World Wide Web.

    Return to Design Your Card FAQ

  • Rotate

    The process of turning an image. When an image is rotated, the contents of the picture move 90 degrees to the left or to the right every time rotate is selected. Rotation will allow the image to be turned to fit better on the card.

    Return to Design Your Card FAQ

  • Scale

    The process of making an image smaller or larger. Images can be scaled between 50% to 250% of the image's original size.

    Return to Design Your Card FAQ

  • Show Card Details

    Card details include the logo, account number, customer name, Network logo and hologram that are shown on the card. The card details are placed on the card when the card is printed. Please make sure that the card details do not interfere with the image that is placed on the card before the image is submitted.

    Return to Design Your Card FAQ

  • Upload

    The process of copying an image from your computer to our site for use when designing a card. The file is copied to the site so it can be printed on the card. Please be patient when uploading the image as the upload process may take a few minutes.

    Return to Design Your Card FAQ

Savings

Checking

Loans