Presidential Visa® Debit Cards - free to customers with a personal checking account

Use your Presidential Visa Debit Card as an ATM card to withdraw cash and for shopping in stores, 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.


Debit Card is subject to application and Bank approval.  See Cardholder Agreement.


To apply for the Visa 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 now come with built-in chip technology. These new 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 Debit Cards now 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

Presidential® ATM Cards - free to all customers with personal checking & savings accounts

Presidential ATM cards are available at no additional charge for all checking and savings accounts. A customer can request an ATM card when they setup a personal checking or savings account or by completing the application (pdf). See Cardholder Agreement.


Presidential® offers worldwide cash access to your account through STAR and Cirrus ATM networks. Presidential ATM's are located in branch locations in the Washington, DC area. Hundreds of thousands of Star and Cirrus ATMs are located around the United States and the world.


ATM Networks

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STAR Network ATM locator

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Cirrus ATM locator



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

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 STARsf to bring you over 130,000 surcharge-free ATMs.  It's easy to find a surcharge-free ATM: Click Allpoint STARsf 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 with my ATM Card?

$550 per day for ATM cash withdrawals and $500 per day for Point of Sale (POS) purchases.


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

$550 per day for ATM cash withdrawals and up to $1,000 per day for Point of Sale (POS) purchases.


How can I access all my personal accounts?

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

Presidential has partnered with Allpoint® and STARsf® to bring you over 130,000 surcharge-free ATMs giving you access at participating convenient retailers including Target, CVS, Costco, Kroger, Walgreens, Safeway, Walmart, Walgreens and more.

Allpoint and Star ATM locations

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

Free Fraud Monitoring on all Visa Debit Cards and ATM Cards.

Click here to learn more.


Last Modifications: 9/11/2019 2:13:40 PM