Credit & Debit Cards

Credit & Debit Cards

Credit Cards

Your life. Your choice.

Earn more rewards for all your everyday purchases. 1

3x The Points

  • Grocery Stores
  • Discount Stores
  • Gas Stations
  • Restaurants and Fast Food

1x The Points

  • All other purchases

Apply Online Today for a

Simply RewardsTM Visa® Credit Card!

Apply Now!

We make it easy to redeem

Access your account to see how many points you've earned through online banking or your monthly statement.

Additional Visa Benefits

Fraud Protection

Visa's Zero Liability Policy means you won't be held responsible for any unauthorized charges made with your card or account information.2


Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manger and more.3

Online Credit Card Control

View transactions, pay bills and track expenses. 

Includes eStatements with 18 months of history.

Learn more about our competitive rates and fees.

Apply Now

Cardholder Self-Services Contacts

Online Account Access & Rewards Points Redemption -

Customer Service - 1.800.821.5184

Cards issued by UMB Bank, n.a.

1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310(Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.

2Visa's Zero Liability Policy covers U.S.issued cards only and does not apply to certain commercial card transactions.You must notify your financial institution immediately of any unauthorized use.For specific restrictions, limitations and other details, please consult your issuer.

3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

Debit Cards

A High Country Bank Debit MasterCard with ATM access makes it easy and convenient to manage and protect your spending. You can use your card at millions of locations around the world anywhere MasterCard debit cards are accepted. View the MasterCard Guide to benefits for Debit Cardholders.

High Country Bank is dedicated to protecting our customers from fraud. We offer real time state of the art, fraud detection for all of our card holders.

Automatic Billing Updater (ABU)

MasterCard's Automatic Billing Updater is a service participating merchants can use to retrieve card holder account changes, like new debit card numbers, to ensure as little disruption as possible for your account-on-file and automated payments.   Learn More: ABU FAQ


If you believe your card has been lost or stolen or your information has been compromised, please call us at:

719-539-2516 during business hours, or 1-833-337-6075 after business hours

Are travel plans in your future? If so, call a Customer Service Representative today to ensure we have your contact information up to date, or log in to online banking, click on the Customer Service tab, and select send us your travel plans. Please include any phone numbers or email that you will have access to while traveling.