Services

Whether you're going off to college or travelling to Alaska, leaving town is no reason to leave your hometown bank. North Georgia National Bank has mobile technology and online services that you can take anywhere. Contact a Relationship Banker today for more info!

  
 

Debit Cards


With our Instant Issue Chip Enabled debit cards, the bank has the ability to create debit cards right from our branches. Your card is provided instantly and can be used immediately, providing you a quick and convenient way to purchase the products and services you need.

UChoose Rewards Points

With your North Georgia National Bank Debit Card you can earn UChoose Reward Points. You can make purchases at thousands of merchant locations that accept MasterCard and earn points towards merchandise, travel, gift cards and more. You will earn one point for every $2 you spend by making a signature-based transaction or a PIN based transaction.

Check or Redeem Points

Traveling with your Debit Card

Heading out of town? Enjoy your trip! Be sure to give us a call when you plan to travel or purchase outside of Georgia and the surrounding states. Without notifying us, your card could be blocked for potential fraudulent use. Please utilize our 24/7 debit card support line 833-601-0467 and speak to a customer service representative about travel exemptions!

Activate Card or Change PIN Number

Call (800) 567-3451 to activate your new card or change your PIN number.

Dispute Expert - 24/7 Debit Card Customer Service

Dispute Expert is a debit card service that is available to you 24 hours a day - 7 days a week! Don't let the name fool you...this service isn't just for card disputes, it provides many solutions, such as:

  • Reporting Lost/Stolen Cards
  • EnFact Fraud Services
  • CardValet Services & Support
  • Declined Transaction Inquiry & Override
  • Dispute Initiation & Inquiries
  • Travel Exemptions

You can utilize Dispute Expert by calling 833-601-0467. If you have any questions or would like more information about Dispute Expert, reach out to a Relationship Banker today, and they will be happy to assist you. 

Premium Texting

When a transaction occurs that appears to be fraudulent, it is flagged by our Fraud Prevention Program. Premium Texting provides us with a way to notify you quickly regarding possible suspicious activity on your NGNB debit card.

  • All cardholders will be automatically enrolled into Premium Texting services.
  • There will not be an initial mass text to opt-in.
  • Customers will only be notified when a transaction is flagged and a case is created.
  • All messages from EnFact will generate from the short-code 37-268.
  • All calls will show from 877-253-8962 or 877-253-8964.
  • This service will not change the current number for Debit Card Activation and PIN changes.
  • If there is no response to the voice call or text message, the card will be restricted to prevent further use.

If you have any questions or would like more information regarding Premium Texting or Fraud Prevention Services, reach out to Deposit Operations today at 706-629-6499, and they will be happy to assist you. Thank you for allowing North Georgia to serve your banking needs!

CardValet

CardValet  card management and fraud mitigation service for debit cardholders. CardValet is available through download on the Apple App Store and Google Play Store! 

With this powerful debit card management tool, our cardholders can set parameters for when, where and how their debit card is used. It’s easy to turn ‘Off’ your card from your smartphone, and then turn it back ‘on’ when you want to use it. Using the GPS system in the smart phone, geographic use restrictions can be established. Other controls can restrict usage by merchant and spending limit. Real time alerts create another layer of fraud protection with notice that a transaction was attempted, declined, or both.

CardValet puts the control of debit cards right into the cardholders’ hands.

Control Spending

If you’re trying to establish or stick to a budget, CardValet can help. Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. You can also establish these controls by location. The flexible app lets you change these parameters anytime with ease via you mobile device. Going on vacation? Holiday shopping? Simply update your transaction controls to fit your spending needs.

Fraud Protection

A lost or stolen card is just one area of concern in today’s world where identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when you’re not using it helps safeguard against fraud. When your card is “off”, no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas. Add another layer of protection. And real-time alerts keep you informed when your card is used or declined.

Monitor your finances from anywhere. Download CardValet today!

 

Personal Credit Cards

Whether it's Preferred Points Rewards or Low Rate, we make it easy to choose the credit card that is right for you. It's the only card you'll need for everything you'll need to do.

LOW RATE CARD

Features:
  • No annual fee.
  • Low introductory rate for the first six months. (1)
  • Competitive ongoing APR. (1)
  • 25-day interest-free grace period on all purchases. No grace period on cash advances. 
Benefits:
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits. 
  • Unlike some card offers, the APR (1) for purchases and cash advances is the same. We do not charge a higher rate for cash advances. 

Fees:
  • Other fees may be charged, these fees are made available via application link below. 

 

WORLD/PREFERRED POINTS REWARDS CARD

 
Features:
  • Earn points you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for the first six months. (1)
  • Competitive ongoing APR. (1)
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances
Benefits:
  • Redeem your rewards points for cash-back awards, retail gift cards, travel, and a wide variety of merchandise, including: cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards, and more. 
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-768-5191. 
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
  • Unlike some card offers, the APR (1) for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
Fees:
  • Other fees may be charged, these fees are made available via application link below.

 

Extraordinary benefits with MasterCard including: Concierge Service (2), Price Protection, Baggage Delay Insurance, Car Rental Collision Damage Waiver Insurance, Extended Warranty, Travel Assistance, Roadside Assistance, Purchase Assurance, and Travel Accident Insurance

 

Certain restrictions apply - detailed in the applicable benefits brochure received with the new credit card.

 
Apply Now - Personal
 

Business Credit Cards

STANDARD CARD

Features:
  • No annual fee.
  • Competitive ongoing APR. (1)
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.
Benefits:
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
Fees:
  • Other fees may be charged, these fees are made available via application link below.

PREFERRED POINTS REWARDS CARD

 

Features:
  • Earn points you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for the first six months. (1)
  • Competitive ongoing APR. (1)
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
Benefits:
  • Redeem your rewards points for cash-back awards, retail gift cards, travel, and a wide variety of merchandise, including: cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards, and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-768-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
  • Unlike some card offers, the APR (1) for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
Fees:
  • Other fees may be charged, these fees are made available via application link below.

 

Extraordinary benefits with MasterCard including: Car Rental Collision Damage Waiver Insurance, Extended Warranty, Purchase Protection, Travel Accident Insurance, Travel Assistance, Roadside Assistance, and Baggage Delay Insurance. 

 

Certain restrictions apply - detailed in the applicable benefits brochure received with new credit card.

 

Apply Now - Business

 

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