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Presidential Visa® Business Debit Cards - free to customers with a Commercial Checking account

Use your Presidential Visa Business Debit Card as an ATM card to withdraw cash and for shopping in stores or online, restaurants, and hotels. Faster than writing a check and no waiting for check approval. Use your Debit Card anywhere VISA® is accepted. Works just like a credit card but transactions are debited from your account as soon as they are posted.


Visa Business Debit Card is subject to application and Bank approval.  See Cardholder Agreement. Cards are only issued to authorized account signers.


To apply for the Visa Business Debit Card, fill out the application (pdf) and mail it to:


Presidential Bank, FSB
Attn: Debit Cards
4520 East West Highway
Bethesda, MD 20814



Introducing chip technology for Visa® Debit Cards. Get big protection in a tiny chip.

Presidential Visa® Debit Cards come with built-in chip technology. These cards are not only more secure – they’re also easy to use.

Enhanced fraud protection. When you use your card at a chip-activated terminal, the embedded chip creates a unique, one-time use code for each transaction to be authenticated making it more difficult to successfully counterfeit the card.

Easy to use. Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete. 

Accepted worldwide. More places than ever now accept chip cards.  Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide.

Answers to questions about chip technology:

What is a chip card?

Presidential Visa Business Debit Cards feature built-in chip technology. You’ll enjoy global acceptance plus an enhanced level of security.


How does chip technology protect my information?

Whenever you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.


Where can I use a chip card?

You can use your card at millions of places that accept Visa Debit Cards, locally and around the world.


Can I swipe my chip card to pay?

Yes. If a merchant is not yet chip-activated, you can continue to swipe your card, select CREDIT and sign for your purchase. 


Can I use my debit chip card at the ATM?

Yes. You can still use your card to get cash, check your balance and more. Simply insert the chip end of your card with the chip facing up. For chip enabled ATMs, your card will remain in the ATM until your transaction is complete.

VISA® logo

VISA logo

ATM Networks

Accel logo

Accel Network ATM locator

Cirrus logo

Cirrus ATM locator



Will I be charged ATM fees when using my Presidential Business Debit?

Unlike most other banks, we do not charge our customers for any domestic ATM/Point of Sale usage. However, many ATM owners apply surcharges for using their ATMs. This surcharge will vary by ATM owner. Presidential has partnered with Allpoint and MoneyPass to bring you over 88,000 surcharge-free ATMs.  It's easy to find a surcharge-free ATM: Click Allpoint  or MoneyPass to search for a surcharge-free ATM near you.  An International ATM-POS transaction fee (International ATM Cash Disbursement Fee or International Service Assessment Fee (ISA)) will be assessed for use of Visa International ATM or POS terminals (foreign transactions.)


Can I deposit at any ATM?

ATM deposits are limited to Presidential Bank machines only. However, there are several ways to deposit money into your Presidential account.


How much can I withdraw/purchase with my Visa Business Debit Card?

$550 per day for ATM cash withdrawals and up to $2,500 per day for Point of Sale (POS) purchases. Higher limits may be available on a case by case basis. 


How can I access all my commercial accounts?

You can link multiple accounts to one card. You can access all your accounts with one VISA Business Debit Card at Presidential Bank ATMs. You can access your primary checking and primary savings accounts at non Presidential Bank ATMs. Point of Sale transactions will only access your primary checking account. Call Customer Service at 800-383-6266 (M-F 8 am to 10 pm) to add existing accounts to your VISA Business Debit Card. 

Presidential has partnered with Allpoint® and MoneyPass® to bring you over 88,000 surcharge-free ATMs giving you access at participating convenient retailers including Target, CVS, Walgreens, Kroger, CircleK, Winn Dixie, Speedway, Aplus at Sunoco, Costco, Safeway, and more.

Allpoint and Star ATM locations

It's easy to find a surcharge-free ATM. Click Allpoint  or MoneyPass to search for a surcharge-free ATM near you.

Free Fraud Monitoring on all Visa Business Debit Cards.

Click here to learn more.

Last Modifications: 7/17/2020 4:14:48 PM