Surcharge Free ATMs…

Debit Card Holders

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for a list of helpful tips:



Currently Blocked


ALL Countries have been blocked Except: 

  • Aruba
  • Bahamas
  • Belgium 
  • Belize
  • Cayman Island
  • Costa Rica
  • Dominican Republic
  • Ireland
  • Italy
  • Jamaica 
  • Saint Martin 
  • Virgin Island-British & US

These Countries are available for signature and pin based transactions


New York



If you are leaving the state, please call Customer Service for more details.



Learn More about Protecting your Debit Card

The security of your accounts is and always has been a top priority for Southern Commercial Bank. Debit card fraud affects every bank worldwide and we take it seriously.

To protect our account holders, Southern Commercial Bank initiates the following procedures upon receipt of a Debit Card Fraud Alert Notice from MasterCard:

When MasterCard provides us with a specific list of compromised debit cards usually only a very small percentage of our card holders are affected. When that does occur, the bank immediately cancels those cards, and orders new replacement cards. We notify you if your account has been impacted.

Sometimes a fraud alert is received from MasterCard where particular card numbers are not yet available or specific fraudulent transactions are identified in a defined region.  In this instance, we immediately issue a broad-based block of all debit transactions originating from the specific states and/or countries involved. This block temporarily rejects all debit transactions or bills generated from those states or countries.

Here are some additional tips to help us protect you:

  • For peace of mind, carry an alternate payment method as a back up if you are traveling, especially if outside of the state.
  • Please share your email address with us at so we can send you fraud-related alerts promptly. Please provide your first name, last name and phone number in the e-mail so we can reach you with any questions*.
  • Register your card with Mastercard Secure Code.
  • Use a credit card instead of the debit card when making purchases online or for recurring payments. A credit card prevents access to your personal funds.
    • Apply for our VISA Platinum Card or call us for more information.

Should you have any questions regarding our fraud procedures and to learn more about protecting your debit card, please contact a Customer Service Representative.

*Southern Commercial Bank will NEVER call or send an e-mail requesting sensitive information such as Social Security Number, Password, PIN Numbers or Account Numbers. If you are contacted do not share this information without first calling our Bank to confirm the validity of the request.

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Southern Commercial Bank | 5515 South Grand Blvd, St. Louis, Missouri 63111

(314) 481-6800 |

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