One piece of plastic has plenty of potential. Buy with ease, customize it yourself, and use your debit card to qualify for Kasasa® rewards. Easy 24/7 access to funds via ATMs and it is much safer to carry than cash. Check out more debit card details below. 


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  • Free Visa® or Mastercard® debit card accepted around the globe and online
  • Use your debit card to qualify for rewards with free Kasasa® checking accounts (for personal customers only)
  • Fast, free, and easy
  • Safer than carrying cash
  • More convenient and safer than checks
  • Eliminate cost of purchasing checks
  • 24/7 access to funds via ATMs
  • Withdraw funds from ATMs
  • Easily protect your card if lost or stolen
  • Receive card alerts and manage your card through the Brella® ™ app

Easy Pin Activation Instructions

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One-Time Passcode

Mastercard® Identity Check™ and Visa® Secure is an extra layer of security that helps prevent unauthorized use of your debit card and minimizes the risk of fraudulent transactions. It adds an additional step during the checkout process, requiring you to verify your identity before completing an online purchase. 

Here's what you can expect when making an online purchase using your Central Bank Illinois debit card: 

  • Shop Online: Browse and select the items you wish to purchase from your favorite online store. 
  • Identity Verification: You may be redirected to a secure page with Shazam's logo after entering your card details. You'll need to complete an additional step to verify your identity here. 
  • One-Time Passcode: You may receive a one-time code through text message.
  • Authentication: Enter the one-time passcode, as requested. This step confirms that you are the rightful cardholder and authorizes the transaction. If three (3) consecutive invalid One-Time Passcodes are entered into the checkout screen, your transaction will be blocked. You must contact Central Bank Illinois during business hours to unblock your transaction. 
  • Complete Purchase: Once you have entered a valid one-time passcode and verified your identity, you can complete your online purchase. 

A few important reminders: 

  • If your transaction is blocked, this does not mean your card is blocked; you can still use your card for other purchases. 
  • To unblock your transaction, you will need to notify Central Bank Illinois Debit Card Department during business hours to verify your identity. 
  • Not every transaction will require a One-Time Passcode.
  • The One-Time Passcode will be sent to your cell phone number on file. If this has changed recently, please get in touch with your local branch to update your information. 

If you have any questions or require further assistance, please do not hesitate to reach out to our Card Services Department at (309) 944-1689. 

*Standard text messaging fees may apply. 

Mastercard® Identity Check™ and Visa® Secure FAQs

Q. Do I need to sign up for this extra layer of protection? 

A. No. Your current Central Bank debit card is already enrolled in this service. There is no need to download, install any software, or register for an account to get this added layer of protection. 

Q. How will I know if my online purchase has this added layer of protection? 

A. This service automatically works at checkout with participating merchants. When making a purhcase online with a participating merchant, you may occasionally be prompted at checkout to verify your identity by providing a One-Time Passcode (OTP), but this is to ensure you are you and to help protect you from fraud. 

Q. What happens if I do not receive my One-Time Passcode (OTP)? 

A. Check with Central Bank Illinois to make sure we have your correct cell phone number on file. You can also check with your phone service provider to see if they are experiencing any issues with your service. 

Q. If I enter my OTP 3 times incorrectly, does that mean my card is blocked?

A. No. The transaction will be blocked, but the card itself can still be used for other purchases. 

Q. What if I make a purchase on the weekend and my transaction is blocked because I cannot provide the OTP?

A. For the time being, you will need to contact the bank on the next business weekday in order for them to verify your identity and unblock the transaction. 

If you have any questions or require further assistance, please do not hesitate to reach out to our Card Services Department at (309) 944-1689.

*Standard text messaging fees may apply. 

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