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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

  • Quick reference to your student ID number (919 number)
  • Library/ Interlibrary Loans
  • Textbook Services
  • Student Rec Center
  • Check in at intramural activities

A Meal Card

  • Bearcat Commons
  • U Cook Kitchen
  • Chick-fil-A
  • Starbucks
  • QDOBA
  • McAlister's Deli

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 deducted from your meal plan by using your Bearcat Card.

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

U.S. Bank is Proud to be your Campus Banking Partner

Make Your Bearcat your everything card – both on and off campus!

Ready to Bank Smartly?

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 Smartly® Checking1 account and link it to your Bearcat Card, making it your Campus ID and ATM/Debit Card -- all in one.  We've made it convenient for you to manage your money with a great checking account for students. 

For your convenience, U.S. Bank has 2 ATMs on campus and a branch location in Maryville near campus.

Maryville Branch
120 South Main Street
660.582.3614

Learn more at usbank.com/northwest

  1. All regular account opening procedures apply. $25 minimum deposit is required to open a U.S. Bank checking account. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2026 U.S. Bank. 

Disclaimers

Deposit products offered by U.S. Bank National Association. Member FDIC. ©2026 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

Free U.S. Bank Goals Coaching

Your goals are important. U.S. Bank offers free one-on-one goals coaching to all Northwest Missouri State University students. Whether your goal is related to career building, financial decisions or anything life throws at you, a certified professional coach is here to assist you in making those goals a reality. Through in-person or virtual conversations, take control of your future, your way. Sign up now at usbank.com/coaching.

Boost your financial IQ

U.S. Bank offers financial resources to help you manage your money throughout college and beyond. Visit the Financial IQ Student Center to learn more about budgeting, investing, protecting your finances and more.

You could win up to $20,000 in scholarships!

The U.S. Bank Student Scholarship rewards you for learning about money. Enter to win in three easy steps: 

  1. Register
  2. Download the Zogo app
  3. Learn about budgeting, saving, credit and more 

The more you learn, the more you could win! Register now at usbank.com/scholarship

Scholarship runs from February 2 – October 30, 2026.

NO PURCHASE NECESSARY TO ENTER OR WIN. Enter online between 2/1/26 and 10/30/26. Open to legal residents of the 50 U.S. or D.C, who are at least 17 years of age or older, and are accepted or enrolled as an undergraduate student  as of Sept 1, 2027, at an eligible, accredited two- or four-year U.S. brick and mortar or online college or university (undergraduate students must be enrolled for at least 6 credit hours per semester) or trade or vocational school. Limit seven (7) Entries per person/authorized email account holder regardless of entry method during the Promotion Period. Void where prohibited by law.  for full details. Sponsored by U.S. Bank, 200 South 6th Street, Minneapolis, MN 55402.

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.

Add Dining Dollars to your account

Lost/Stolen Bearcat Cards

Lost/Stolen Bearcat Cards

  • Replacement Bearcat Cards can be made from 8 a.m. - 5 p.m., Monday - Friday in the ID Office when the Student Union is open.
  • A Replacement fee of $20 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 660.562.1430 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.
  • NO TEMPORARY IDS WILL BE ISSUED.

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. 

All ID cards can be replaced at the ID Office in the J.W. Jones Student Union.

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.

Reminder

Reminder

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.