Debit Cards

SHAZAM myPic STUDIO allows you to create a personalized debit card featuring any photo you choose. Whatever means the most to you will be displayed on your debit card. It's sure to be the favorite card in your wallet.

How does it work?

Upload an image of your choice, following our image guidelines, directly from your computer or choose from an extensive set of gallery images. Once uploaded, the image is displayed behind a template showing the fixed elements of the card. The image can be scaled, flipped or rotated until you are happy with the design. The image is even stored to make reissues a breeze.

Card Designs

Please do not submit any images that contain the following: 

• Copyrighted or trademarked material. If you did not take the photo or own the image, we cannot accept it.
• Branded products
• Provocative, lewd, or sexual content — including nude or semi-nude pictures of people of any age
• Celebrities, musicians, public figures, athletes, cartoons, etc.
• Violence, violent acts or any type of death imagery (such as skulls)
• Socially unacceptable or discriminatory behavior or signs (such as gangs, hatred, drug/alcohol abuse, graffiti)
• Profanity or other obscene behavior or gestures
• Images of money from any country including the U.S., where money is the central focus of the photo
• Images of flags
• Controversial subject matter such as political or religious statements and/or images
• Phone numbers (such as 800 or 900 #s) and URL addresses (such as xyz.com)
• Competitive marks/names (such as Discover, American Express)
• Any image where the content is not clearly comprehensive or discernible. This includes non-English text, images where the subject is unclear (blurry, distorted, etc.) and may be interpreted as violating the guidelines
• Any reference to the Olympic games
• Any photo that might result in non-acceptance or other problems at point-of-sale

Frequently Asked Questions (FAQ)

What is a My PIC Studio debit card?

It's just like a normal check or debit card, except that you get to choose the photo or image that appears on the card. There are Image Guidelines, but as long as your image complies with those basic rules, you can create a check card that's unique to you.

Who is eligible for a My PIC Studio card?

The Hardin County Bank account holders. 

How much does it cost?

Your first photo card costs $12.00.

Can my joint account holders design their own cards, too?

Sure. Every card associated with the account can be customized by the individual cardholder. The first card for each account holder will be $12.00. 

How often can I change the image on my card?

As often as you like. You will have to pay a $20.00 debit card replacement fee to change your image and have a new card issued.

Does customizing my card change anything about my account, like my PIN number?

No. Your account, your PIN and everything else will remain the same. The only things that would change would be how your card looks and the expiration date since it's based on your card issued date.

How does my photo get approved?

Every image submitted is reviewed for compliance with the Image Guidelines.

What if my image isn't accepted?

We'll notify you by email if there's a problem with your image and you'll have the opportunity to submit another photo. In most cases, it may be as simple as selecting an image that isn't trademarked or under copyright. Each image submitted is subject to the applicable fee. You will want to be very careful that you submit a photo that meets the Image Guidelines.

How do I convert my photo into a digital photo?

You will need to convert your physical photo into a digital photo. If you take a regular photo into a photo processing facility, they may be able to scan the photo for you and put it on a disk. Remember, the image needs to be saved in either .jpeg or .bmp formats.

What size does my digital photo need to be?

Please use an image that is at least 840x840 pixels. Our design service provides a tool to re-size your picture to look the way you want it to.

What can I do to make sure the My PIC Studio debit card turns out as good as possible?

Choose a clear, sharply focused image, preferably taken at a high resolution. You can also use photo editing software to enhance your photo prior to uploading it; however, it isn't required.

**In regards to your Hardin County Bank MasterCard Debit Card**

How Cardholders Benefit

• Uninterrupted bill payment
• Reliable service
• Greater convenience

Cardholders typically set up automatic payments using their MasterCard cards for two reasons: to make payments easier, and make payments on time without having to remember to do so. Unfortunately, account details can change – perhaps a new card number is issued or an expiration date changes. When that happens, recurring payments can be disrupted and cardholders may be completely unaware of the issue until a late notice arrives or a payment is declined.

By ensuring that automatic payments continue uninterrupted, the MasterCard Automatic Billing Updater helps provide the cardholder with convenient, stress-free, continuous service (not to mention the hassle and expense of check-writing and late-payment charges).

Please note that not all merchants and billers participate in MasterCard Automatic Billing Updater.

If you wish to opt out of Automatic Billing Updater, please contact us at 731.925.9001 and speak with our Deposit Operations Department.

How to dispute a transaction on your debit card:

Call The Hardin County Bank Operations Department 731.926.8700

When you report a dispute, the following information may be helpful to have on hand:

• If applicable, the date you contacted the merchant along with the merchant’s response and name of the person you spoke with.
• Tracking numbers, contracts or service agreements
• Date you returned item(s) or canceled service along with cancellation/confirmation numbers, if applicable