Personal Card Services

UChoose Reward 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.

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

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

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!

24/7 Card Services

New card management and spend tracking within the NGNB Mobile Banking App!

Designed to optimize your experience, this new feature can be found by tapping "Cards" right inside of our Mobile Banking App. In addition to all of the features you are used to, you will now have access to:

• Transaction notifications

• Enriched transactions to clearly see where your purchases are made

• Recurring payment visibility for subscriptions and cards on file with merchants

• Controls and alerts for location, merchant type, and spending limit preferences

• Tracking spend by month, category, and more

What should I do to get ready?

1) If you haven't already, download the NGNB Mobile App.
2) Turn on automatic app updates, so you have access to the newest features as soon as they roll out!
3) Enable push notifications in our Mobile Banking App so you know exactly what to expect and when.

Contact Us

For any questions regarding the update, please call us at (706) 629-6499 or email us at operations@ngnb.net.

Personal Credit Cards

Whether it's Preferred Points Rewards or a 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 months¹

• Competitive ongoing APR¹

• 25-day interest-free grace period on all purchases

• No grace period on cash advances 

Benefits:

• 24-hour toll-free live customer assistance is available at (800) 367-7576.

• Online account information is 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 APR¹ 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 the application link above.

¹APR = ANNUAL PERCENTAGE RATE

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 months¹

• Competitive ongoing APR¹

• 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 is 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 APR¹ 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 above.

Extraordinary benefits with Mastercard including Concierge Service, 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.

¹APR = ANNUAL PERCENTAGE RATE