VISA® Debit & Credit Cards

Simple, convenient – our VISA® debit card program provides you with the added value of earning redeemable reward points with every use. And put the VISA® credit card in your wallet for added convenience where you shop - online or in person!

Consumer VISA® Debit Card with RewardsVISA check card image

Turn your everyday purchases into rewards points that you can redeem for travel, merchandise, gift cards and cash back! Your Monona Bank VISA® Debit card is automatically enrolled in our ScoreCard® Rewards Program.

Fast and Easy 

  • Our consumer VISA® ScoreCard® Rewards Debit card works just like your checkbook. Each time you make a purchase, the amount of your purchase is deducted from your checking account. No waiting to show identification or to get your check approved.
  • Accepted anywhere 
  • No matter where life takes you, you won't have to worry about getting an out of town check cashed. Simply use your debit card at hotels, restaurants, gas stations...anywhere VISA® is accepted.
  • 24 Hour ATM Access. Click here to find surcharge-free ATMs.
  • Transfer funds between accounts? Or, simply make a withdrawal? No problem. Your VISA® Debit card carries all the advantages of an ATM card at our network of convenient locations.

Consumer VISA® Credit Card

Enjoy the peace of mind and personal service that comes with getting a credit card from your local bank. Depending on your specific financial needs, our banking advisors can help you decide between our Monona Bank VISA® Classic and VISA® Platinum Cards. Both cards offer a multitude of features and benefits including no annual fees and much more.

Click here for current rates and a comparison of the features of our VISA® Credit cards.

Contact one of our experienced banking advisors at (608) 223-3000 or e-mail us to get your application today!


Scorecard Rewards

Even better, with our VISA® credit cards and VISA® debit card, you can earn rewards with every purchase! Click here to learn more about our exciting ScoreCard® Rewards program.


New!  You can now check your FICO® Score for free!

There are many benefits to being a Monona Bank VISA® cardholder, and now there’s one more. Monona Bank Consumer VISA® cardholders can now view their quarterly FICO® Score each quarter through your Monona Bank Online account.

As your financial partner, Monona Bank wants to help you understand and plan for all of your financial needs. Since your FICO® score is one important indicator of your overall financial health, we are making your score available to our Monona Bank VISA® cardholders at no cost.

Things to know about FICO® scores:

  • Lenders started using FICO® scores, created by Fair Isaac Corporation, in 1989, and the scoring models have been updated several times since.
  • According to FICO, more than 90% of the top lenders use FICO® scores.

Base FICO® scores range from 300 to 850 and are made up of the following factors:

  • Payment history: 35%
  • Amounts owed: 30%
  • Length of credit history: 15%
  • New credit: 10%
  • Credit mix: 10%

Once you know your FICO® score, you may wonder what it means. FICO defines the following credit ranges for its credit scores:

  • Exceptional: 800+
  • Very good: 740 to 799
  • Good: 670 to 739
  • Fair: 580 to 669
  • Poor: 579 and below

Your FICO® score is impacted by a lot of factors and changes over time. If your score is lower than you would like, there are steps you can take to improve it.  Stop by any of our nine locations to talk with or call one of our experienced Banking Advisors to learn more about your FICO® score and how you can improve it today!

Access your FICO score by logging into MononaBank Online and then selecting the “Manage my Card” tab. Talk with a Banking Advisor if you have any questions.


Important VISA® Benefits

Your Monona Bank VISA® Credit Cards offer you many important benefits, at no cost to you. Click on the links below to learn more about the following three benefits:


Safe and Secure Ways to Use Your Debit and Credit Cards

Digital Wallet: We are bringing you the newest technology to make banking easier. Click here to learn more.

Chip Cards: Monona Bank is committed to your security. Click here to learn more.

Visa Checkout: A new way to safely, simply and securely make online purchases. Click here to learn more.

Fraud Protection: Receive alerts to protect you against fraudulent transactions. Click here to learn more.

What is "Verified by VISA"?

Verified by VISA provides an extra layer of security at the point where you enter your debit or credit card information for online purchases.
The service helps prevent unauthorized online use before it happens by confirming your identity with an additional password.

How does Verified by VISA work?

When you pay online with your VISA debit or credit card, the Verified by VISA service launches automatically at participating online stores. After you enter your VISA card number and submit your order, a Verified by VISA window will appear and your card issuer will display an authentication page where you enter your information and password and click submit. Once your identity is verified, your checkout continues.

How do I get signed up for Verified by VISA?

Your Monona State Bank VISA debit and credit card(s) are automatically enrolled in Verified by VISA upon issuance. All you need to do to activate this service is register to create your password and security question.

×
Facebook Twitter