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Gold Debit Mastercard® To use with your personal checking account
Gold Debit Mastercard

• A more enhanced debit card with added features, benefits and additional savings opportunities.

• MasterCard SecureCode® giving greater protection for online purchases.

• Special offers and discounts and other benefits through MasterCard MarketPlace.

• Special Smart Shopper Benefits including Extended Warranty, Purchase Assurance® coverage, Satisfaction Guarantee coverage, Master RoadAssist ® Service, Travel Assistance Services and MasterCard Global Services. For more information and details about these benefits, refer to the Guide to Benefits by clicking here.

Debit Mastercard BusinessCard® To use with your business account
Gold Debit Mastercard

• Faster than checks. Safer than cash.

• Reduce your need for checks or cash giving you increased purchasing flexibility, convenience and safety.

• Increase your money management capabilities with easier and more accurate record keeping. Receive detailed monthly bank statements for each account reconciliation, expense reporting, and identification of tax deductions.

• Protect yourself against unauthorized purchases* and have peace of mind knowing that you won't be held responsible for unauthorized purchases.

• Valuable programs and benefits available to you as a Debit MasterCard BusinessCard holder. For more information on the available benefits,
click here

HSA Debit Mastercard® To use with your Health Savings account
Gold Debit Mastercard

• No annual fee branded MasterCard ® debit card to use safely to distribute and pay for health-related expenses with tax-free funds from a qualifying LCNB National Bank Health Savings Account.

• Easy tracking of your expenses.

• Security and convenience of not having to carry cash or checks.

• Use your HSA Debit MasterCard wherever Debit MasterCards are accepted.

• Protect yourself against unauthorized purchases* and have peace of mind knowing that you won't be held responsible for unauthorized purchases.

Introducing MasterCard® SecureCode™

Fast, simple, convenient and now more secure than ever. Your own private code protects against unauthorized use of your card when you shop online. SecureCode™ works with your existing MasterCard account, requires no download, and it's easy to activate and to use. To get started, click on the MasterCard® SecureCode™ logo.

Zero Liability Protection for Lost & Stolen Cards

Have peace of mind knowing that the financial institution that issued your MasterCard or Debit MasterCard card won't hold you responsible for "unauthorized purchases." Zero liability applies to purchases made in the store, over the telephone or online. As a cardholder, you will not be held responsible in the event of unauthorized purchases provided that the following conditions are met:

     • Your account is in good standing.
     • You have exercised reasonable care in safeguarding your card from any unauthorized use. Unauthorized use
     means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no
     benefit from the "unauthorized" purchase.
     • You have not reported two or more unauthorized events in the past 12 months.

Zero Liability does not apply to MasterCard BusinessCards or Debit MasterCard BusinessCards:

(i) issued for commercial, business or agricultural purposes (PLEASE NOTE: Zero Liability does apply to MasterCard credit and debit cards for small businesses); or
(ii) issued or sold "anonymously" (for example, a prepaid card purchased in a store), until such time as the identity of the cardholder has been registered with the financial institution that issued the card; or
(iii) if a PIN is used for the unauthorized purchase.

What to do ...

If you have questions regarding zero liability coverage or you suspect unauthorized use of your card, contact LCNB National Bank IMMEDIATELY.
If any of the conditions set forth above are not met, then your liability may not be zero but it may be limited by LCNB National Bank or federal, state or local law. Again, check with LCNB National Bank.