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Personal Services

Credit Cards

Visa Card

Credit cards are offered for those who need short term financing for projects, unexpected expenses, or the convenience of not using cash.

Subject to credit approval.

24 Hour Customer Service Line for Visa/Mastercard 1-800-876-9119.

Visa™ or MasterCard™

The Old Fort Banking Company's Visa and MasterCard lets you extend payment over many months, if desired. Or if you pay your balance in full each month, no finace charge is assessed on new purchases.  



ScoreCard Credit CardVisa Scorecard™

The Visa card that rewards you.   Earn points with every purchase you make with your card.

No Annual Fee

Click here to browse Scorecard Rewards Merchandise











What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that’s right for you!

   Learn More                                         Apply



ENJOY A LONGER INTRO RATE______________________________________________________________________

     Visa® Platinum Card

  • Our BEST introductory offer
  • Save on interest and pay down your other credit card balances faster


EARN VALUABLE REWARDS_________________________________________________________________________                                                   


     Visa® Bonus Rewards Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that's equivalent to 1.25 points) on all points earned every month, automatically 1
  • $25 cash back after your first purchase


     Visa Bonus Rewards PLUS Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that's equivalent to 1.25 points) on all points earned every month, automatically ²
  • $50 cash back after your first purchase
  • Low annual fee


     Cash Rewards American Express® Card

  • Earn up to 3% cash back on gas
  • Also earn up to 2% cash back at supermarkets and 1% on all other purchases
  • $25 cash back after your first purchase


     Travel Rewards American Express® Card

  • 3X reward earnings on airline purchases, 2X reward earnings on restaurant and hotel purchases
  • $75 cash back after your first purchase
  • Low annual fee


BUILD YOUR CREDIT³_________________________________________________________________________    


     Visa® College Rewards

  • For college students
  • Great rates and manageable credit lines
  • Earn 1 reward point for every net $1 you spend on purchases


     Visa® Secured Card

  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • Flexible credit lines based on a security deposit ranging from $300 to $5,000
  • Low annual fee







Old Fort ATM Debit CardATM or Visa Debit Cards

ATM cards offer the convenience of accessing your account 24 hours a day through ATM machines that share the same networks.

Old Fort Bank Visa™ Check Card (Debit Card)               

Debit cards use has quickly replaced check writing and is used in place of cash nationwide.  With a debit card…often referred to as check cards, you are using your own money, not borrowing on credit as in the case of a credit card. Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a personal check. When you use a debit card, your money is quickly deducted from your checking or savings account. 

Debit cards are accepted at many locations, including grocery stores, retail stores, gasoline stations, restaurants and online shopping. You can use your card anywhere merchants display a Visa™ logo.  You may also use them at any ATM machine using the same network. When using an ATM machine you can withdrawal cash and also obtain your checking account balance.

Enjoy these conveniences when using a debit card:

  • Using a debit card frees you from carrying cash or a checkbook… and it may be safer.
  • Using a debit card means you no longer have to stock up on traveler's checks or cash when you travel.
  • Using a debit card instead of writing checks saves you from showing identification or giving out personal information at the time of the transaction.
  • Debit cards may be more readily accepted by merchants than checks, especially in other states or countries wherever Visa is accepted.
  • Using a debit card at the gas pump is a great time saver

Subject to approval. 

To report a lost or stolen debit card during regular business hours please contact us at: 1.866.347.3440.  After hours please call: 1.866.546.8273.



Traveling Abroad? You'll Need Foreign Currency

Exchange currency before you go!

Old Fort Bank just made the process of ordering and exchanging currency easier

  • Order today, collect it tomorrow
  • Get competitive exchange rates
  • Easily exchange any leftover currency back to dollars here.

Place your order today. Ask an Old Fort Bank associate for more information or click the link below:





Fraud Protection For Old Fort Bank ATM/Debit Card Users


smsGuardian® Text Alert Fraud Protection ENROLL NOW

Old Fort Banking Company is pleased to offer a new text alert notification service smsGuardian®.    If you have an Old Fort Banking Companys Visa® Debit, ATM, CHOICE or Health Savings Account card you can enroll in smsGuardian.  Old Fort Bank is providing this fraud protection service at no additional cost. Please note: Message and data rates may apply.

What is smsGuardian®?  

SMS is a text messaging service component of phone, web or mobile communication systems, using standardized communication protocol that allows the exchange of a short text message between fixed line or mobile phone devices.   smsGuardian® is a service giving cardholders the ability to receive and respond to text alerts to their cell phone for enrolled Visa® ATM and debit cards.   Alerts are sent on predetermined transactions which include:

  • International Transactions
  • Authorizations greater than $500
  • 5 or more transactions in a 24 hour period
  • Card Not Present (ie. Online or Phone Purchases)


Features and Benefits

  • Identifies potential fraud early
  • Easy enrollment
  • No cost annual enrollment
  • Enroll up to 10 devices per smsGuardian® web account
  • Do-Not-Disturb window capability
  • All major phone carriers support this service
Questions and Answers

Are there security features in place to protect cardholder information?  
Yes, we do not provide full cardholder information in any smsGuardian® text message.   We will provide the last 4-digits of the card number. 

What costs are involved?  
The Old Fort Banking Company provides enrollment to Old Fort Bank cardholders at no cost. Standard text messaging and data rates may apply in accordance with your mobile service agreement.

What if I need help with an alert message after regular banking hours?:  
If you need help during or after regular banking hours the cardholder may reply to an alert message with the word HELP or call 888- 868-8611. 

What happens if I do not reply to the text?  
Nothing.  If no confirmed fraud response is received from a cardholder within 12 hours, the text message will time out.  The text for that transaction will be considered a good transaction unless fraudulent activity has been confirmed.

How can I cancel smsGuardian®
You may discontinue the receipt of alerts immediately by texting the word STOP in reply to a Guardian alert.  You may unsubscribe from this service on the https://www.cardguardian.com/CardGuardian/signon.do?fid=BH  or you may text STOP to 27576.

Can a cardholder receive both a text and a call from a Risk Management /Fraud Center Analyst?  
Yes, it is possible. When the cardholder has replied back with the NO response code, alerting that the transaction is fraudulent, the text is placed on high priority and an analyst will place a block on the card.

Will I receive a renewal notice?  
Yes, a renewal notification will be sent to the device six days prior to expiration. Three renewal attempts will be sent before the device is set to expire. If no response is received the device will be removed from this smsGuardian® service.  If a cardholder would like to renew multiple times under the same card number it will extend an additional year for each extra click.  If a cardholder wants to renew for 5 years, simply click the renewal button 5 times.  When the cardholder clicks renew, they will respond to the text message.  In the case of additional renewal years respond to all messages with the short code as instructed.

What is the Do-Not-Disturb window?   
This option will allow you to determine time periods in which a text will not be sent.  Once a time frame is set and submitted, you will not receive alerts in that time frame.  For example, if a Do-Not-Disturb is set from 11:00 PM – 6:00 AM, the alert message(s) received during the set time frame will be sent starting at 6:00 AM.

Do I need to re-enroll if I change my cell phone or service provider?  
Yes, you will need to re-enroll if you change mobile phone service providers, change cell phone numbers and/or possibly when you upgrade or switch phone models.

Will my mobile service provider require any additional information?  
Some mobile service providers require that we send a 30-day subscription reminder message to their participating mobile customers using the smsGuardian® program.   Cardholders will receive an alert message every 30 days reminding them of the subscription if their mobile provider is Sprint, Nextel, Boost, or Virgin. The alert message will display as: “ Reminder: You have subscribed to Guardian transaction alerts for Old Fort Bank.  The alert message anddata rates may apply.  Reply HELP for help. Reply STOP to cancel. “

How many messages will I receive.  
Cardholders will receive alerts sent to their cell phone or other SMS device for all enrolled cards.  The number of alerts they receive will be based on card usage.  Cardholders will not receive more than one message per transaction on each enrolled card.

Terms and Conditions and Service Usage Guide 




Old Fort Bank is pleased to offer a free ATM/Debit Card protection service offered through our card provider.  Your ATM and debit card transactions are watched day and night with a high-tech, high-touch monitoring solution that protects your accounts using state-of-the art intelligenc etechnology and skilled fraud experts. If suspicious transactions are detected, a fraud specialist will attempt to contact you right away.  Your card will be disabled immediately if fraud is confirmed, and if you aren’t available, your card will be assigned a special
“watch”  status until we know all is well.  Please note: It is important that you provide the bank with your cell phone number and keep us updated on your contact information in the event of a change.

Fraud Center Questions & Answers

Q1. What hours will the fraud analyst attempt to call in case of fraud?
A1. Between the hours of 8:00 am - 9:00pm in your time zone.

Q2. How soon will you be contacted when a potentially fraudulent transaction is flagged?
A2. Alerts are presented in the order in which they occur, with high risk transactions reviewed first.  Alerts with lowers scores after.

Q3. If I have my card blocked by a fraud analyst who was unsuccessful in contacting me ...what should I do?
A3. Call Old Fort Bank toll free at 1-866-347-3440 during regular business hours of 8:30 am through 5:00 pm EST to confirm the transactions are not fraudulent and the block released.  After hours you can return calls to the Fraud Center at 1-800-411-8498.

Q4. How many attempts will be made to contact me?
A4. If there is no answer, the fraud analyst will leave a message.  If an alternate number is provided, the analyst will call that number and leave a message.  

Q5. Are there steps I can take to notify the Fraud Center of an upcoming trip overseas or in the States to avoid having my card blocked?
A5. Yes, please contact the bank at 1-866-347-3440 so notes can be added to the PowerLink system stating the area and dates of travel.  We recommend that you also carry a second form of payment such as a credit card in the event your debit card is blocked.

If you have any additional questions or concerns please contact us at 1-866-347-3440 or speak with you local Old Fort Bank service representative.

e- Statement Service

Our e-Statements service provides you with secure delivery of your checking and savings account statements through our Online Banking Center.  It is free, convenient, fast, easy and secure. This gives you easy access to your account statement and you have the ability to view, print, download and save statements on your own computer. After enrollment you will receive an email when your statement is available. This provides you with increased protection against identity theft.

If you would like to enroll in our online banking services and begin receiving your e-Statements through this secure access, you may do so by following these simple steps:
  • Go to www.oldfortbank.com
  • Select "personal enrollment" or "business enrollment"
  • Complete the online enrollment and answer "yes" to the electronic format question
  • Receive your approval confirmation e-mail
  • Begin receiving your e-Statements through our secure online banking service
If you are currently using online banking services please follow the instructions listed below:
  • Go to www.oldfortbank.com
  • Login using your confidential access id and password
  • Click on the "Accounts" tab
  • Select "statement" and click on the "Electronic Only Statement Delivery" option
  • Begin receiving your e-Statements through our secure online banking service

 If you have any questions or concerns regarding either enrollment please don't hesitate to contact us at 1-866-347-3440.

e-Statement Q&A's

What is an e-Statement?  

Our e-Statement service provides you with secure electronic delivery of your checking and savings account statements. 

What are the benefits of receiving an e-Statement?
  • Free, convenient, fast, easy and secure
  • Ability to view, print, download and save statements
  • Easier access and statement retention
  • Increased protection against identity theft
 How can I begin receiving e-Statements? 

It’s easy…enter your secure online banking account, click on the “Accounts” tab, select “statement” beside the appropriate account, and click “Electronic Only Statement Delivery” option.

Is there any software required on my PC? 

It is necessary to have Adobe Acrobat Reader 5.0 or above installed on your PC in order to view your statement.  If you do not already have Adobe Reader, you may obtain a free copy by visiting http://www.adobe.com/products/acrobat/readermain.html and selecting the Free Adobe Reader under the Download section.  It is also recommended that Internet Explorer 5.5 or above be installed on your PC… 

To download a free copy, go to http://www.microsoft.com/windows/ie/default.mspxYour PC must have the capability of opening a 5MG language file.

When will I receive my first e-Statement? 

You will begin to receive your e-Statement after your statement has processed on your regularly scheduled cycle date.  You will receive an email notification that your statement is available.

How do I open my e-Statement(s)?  

You will be able to open your e-Statement(s) within your secure online banking account by clicking the "Accounts" tab and select "statement" beside the designated account. 

Will I also receive a paper copy of my statement in the mail?  

You will no longer receive a paper copy, but you will have the option of printing or downloading your e-Statement.   If you request a paper copy of your statement, the bank may assess a fee as listed on our current fee schedule.  

How long will I be able to access previous e-Statements?  

You have the ability to review your statements in online banking for up to 24 months.

Will I be able to revert back to receiving a paper copy of my statement in the mail?  

Yes, you may discontinue the receipt of e-Statements at any time by calling our e-Statements Department at 1-866-347-3440 or visit  any of our conveniently located financial centers. 


Telebank . 1-888-268-6135 or 419-447-0575

Old Fort Bank's Telephone Banking offers 24 hour banking convenience on checking, savings, CD and Loan information. Transfer funds,make loan payments and change your security code from your touchtone telephone or mobile phone.

Enter your 4 digit security code  -   Enter your client number                                
  • Press 1           Checking Account
  • Press 2           Savings Account                   
  • Press 3           Transfer Funds                       
  • Press 4           CD information                      
  • Press 5           Loan and Loan Payments    
  • Press 6           Change Security Code