A-Z Index

Bearcat Card

Your student id is a lot more than just a piece of personalized plastic. Here's where and how you can use your card.

  • as an identification card
  • as a meal card
  • as a bank card

Lost or Stolen? Inactivate Bearcat ID Card

Use Your Bearcat Card As...

An ID Card

  • Library/ Interlibrary Loans
  • Textbook Services
  • Fitness Center (membership required)
  • Student Rec Center
  • Bearcat Shop Charges
  • Home Athletic Events
  • Purchase Campus Event Tickets

A Meal Card

  • Bearcat Commons
  • U Cook Kitchen
  • Chick-fil-A
  • Starbucks
  • McAlister's Deli
  • Pizza Delivery (Pizza Hut)

Campus Services

  • You can charge photocopies to your Northwest Account using your Bearcat Card on any Northwest Copier.
  • Vending machine and concession stand purchases can be charged to your University Account or deducted from your meal plan by using your Bearcat Card.

Use the Bearcat Debit Card and Save Money (Consumer Information)

A U.S. Bank ATM and Debit Card

Your Bearcat Card is also your key to convenient banking. Northwest has partnered with U.S. Bank to offer students, faculty and staff an opportunity to use their Bearcat Card as their U.S. Bank ATM and PIN-based debit card. Students are not required to open an account with US Bank or any other financial institution. To add this functionality to your Bearcat Card, simply sign up for a U.S. Bank checking account at any branch, call us at 800-US BANKS (872-2657) or apply online at U.S. Bank has made it easy for you to manage your money with the best checking account for students in the country.


Deposit products offered by U.S. Bank National Association. Member FDIC. ©2023 U.S. Bank.

Your school chose U.S. Bank as its partner to offer students, faculty and staff the option to add banking functionality to the campus ID card. Your school may receive financial support from U.S. Bank in the form of marketing funds, royalties, card stock or other compensation to offset costs otherwise incurred by the school. Students, faculty and staff are not required to open an account with U.S. Bank to receive or use the campus ID card for other campus services.

DOE Disclosure
DOE Disclosure View PDF

Make Your Bearcat Card the only Card on and off Campus!

You have enough to worry about in college without having to stress out about your finances.  U.S. Bank makes it simple.  Open a U.S. Bank Student Checking account and turn your Bearcat Card into your Campus ID and ATM/Debit Card -- all in one.  We've made it easy for you to manage your money with a great checking account for students.

For your convenience, U.S. Bank has two ATMs on the Northwest campus and a branch location in Maryville near campus.

120 S. Main Street        660.582.7159

Learn more about U.S. Bank »

How to Add Money (Dining Dollars) for Meals and Convenience Store

How to Add Money (Dining dollars) for Meals and Convenience Store

  • $25 increments of dining dollars can be added on the Campus Dish website or in our office (2nd floor, Union)
  • Value is not on the Card, but on the Food Service Computer. This will be charged to your University account.

Caring for Your Card

Caring for Your Card

  • Do not put the cards on or near TVs, stereos, computers, or microwave ovens.
  • Know where your card is at all times.
  • Treat it as you would any other valuable item.
  • Protect card from being bent, scratched, damaged, or stolen.

Lost/Stolen Bearcat Cards

Lost/Stolen Bearcat Cards

  • Replacement Bearcat Cards can be made 24 hours a day/7 days a week in the Station*
  • Replacement Bearcat Cards can be made from 8 a.m. - 11 p.m., Monday - Friday and 10 a.m. - 11 p.m., Saturday and Sunday in the ID Office.*
  • A Replacement fee will be charged for each new card. A $5 credit will be given if the old ID is returned.
  • In case of a lost or stolen ID, notify the ID office at extension 1430 immediately or complete the online form.
  • If you are using your Bearcat Card as your U.S. Bank ATM card, you'll also need to report it lost or stolen to U.S. Bank's 24-hour Customer Service line at 1.800.USBANKS (872.2657).
  • Turn in found cards to the ID Office ASAP.

*When the Station and the Student Union are open.

Broken/Damaged Cards

Broken/Damaged Cards

  • Broken ID cards (not mutilated or abused) will be replaced. The pieces of the broken cards must be returned at the time of replacement. If you do not have the pieces, the card will be considered a lost card and a replacement fee will be charged.
  • Cards that have worn off pictures or 919#'s should be replaced. For cards less than one year old there will be a replacement fee.

All ID cards can be replaced at the Station Front Desk or the ID Office.

Frequently Asked Questions

Frequently Asked Questions

Q: What other locations can I use my Bearcat ID Card?

A: U.S. Bank checking allows students and employees to use their ID Cards at ATM machines and as debit cards off-campus.

Q: What if my card is lost or stolen?

A: During business hours call the Northwest ID Office at 660.562.1430 to have your card replaced. You may also report your card lost or stolen by completing the online form. If you are using your Bearcat Card as your U.S. Bank ATM card, you'll also need to report it lost or stolen to U.S. Bank's 24-hour Customer Service line at 1.800.USBANKS (872.2657).

Q: I found an old Bearcat Card. Can I have this card reactivated?

A: No, old Bearcat Cards will not be reactivated. You may bring your old card into the ID Office in the Student Union for a $5 credit to your Northwest Account.



Card must be carried at all times. Lending cards to anyone or failure to present it to authorized University officials is cause for disciplinary action. See current Student Handbook for complete Bearcat Card policies.