Carter Bank & Trust Visa® Debit Card
The Carter Bank & Trust Visa® Debit Card that makes banking and shopping worldwide safer and more convenient. We offer the option of a personal debit card with all our checking accounts.
Access More Than 34,000 ATMs Nationwide Without a Surcharge Fee!
We also offer surcharge-free benefits of the MoneyPass® ATM Network*. With MoneyPass®, you have access to more than 32,000 ATMs nationwide without a surcharge fee when you want to withdraw cash.
To locate an ATM in the MoneyPass® Network, simply click on the Surcharge Free ATM Locator button below.
Surcharge Free ATM Locator
*Service charges for balance inquires and deposits may occur.
The Many Ways to Pay Using Your Debit Card
Today, there are more ways than ever to use your Carter Bank & Trust debit card to pay for goods and services. The one you choose often depends on where you are shopping, dining or conducting business and your readiness to embrace technology that is designed to create faster and safer transactions for you.
- If a merchant’s terminal supports contactless payments, you have the option to use your digital wallet from your mobile device or “tap and go” to use your card without the traditional swipe or chip insert.
- If a merchant’s terminal does not support contactless payments, your Carter Bank & Trust debit card with contactless chip technology will continue to support the traditional swipe and chip insert.
More about Your Contactless Payments
In simple terms, a digital wallet is an electronic version of your physical wallet you carry. It stores your payment information in an online account. When you are making a purchase, you can use your digital wallet from your mobile device to provide information instead of presenting the card each time.
Here is how it works. If you decide to add your debit card number to a mobile device or digital wallet, our debit card provider, Visa, will issue a “token” or digital account number behind the scenes. Then when you initiate transactions with a mobile device, using this “token” or digital account number, not your debit card number, will be used to process the transaction, just like a traditional debit card payment. Because the “token” doesn’t carry your debit card number, you are less likely to become a victim of fraudulent activity.
“Tap and Go”
Instead of swiping your card or inserting your card’s chip into a merchant’s terminal, you simply tap a terminal and go. “Tap and go” eliminates the wear and tear on your debit card due to excessive swiping and inserting of your card in merchant terminals. It also can be safer and more secure than swiping and insert of chip. For example, it reduces the chances of dishonest merchant employees stealing your card’s magnetic-strip through “skimming,” – the practice of fraudulently procuring card data.
Debit Card Fraud Alerts
Carter Bank & Trust’s Debit Card gives you a convenient, safer alternative to using cash and checks. With our debit card fraud monitoring notification system, we monitor card transactions 24/7 for suspicious activity; and when warranted offer two types of alert notifications, phone calls and text messages.
- Automated fraud alert phone call from 800.279.2674 upon detection.
- When alert call is received, prompts for action given, including the option to speak with a person.
- No required enrollment. Automated calls are sent automatically upon fraud detection.
Learn more about using your Visa® Debit Card with “tap and go,” contactless payments.
A contactless payment uses short-range wireless technology to make a secure payment between a contactless card or payment-enabled device and a contactless-enabled checkout terminal. When you tap your card or hold your device near the checkout terminal, your payment is sent for authorization.
It works best when your contactless card or device is held flat over the checkout terminal. While tapping is optional, your card or device just needs to be within 1-2 inches of the checkout terminal card reader.
Contactless payments make shopping fast and easy. Making them ideal for quick shopping experiences at places like restaurants, grocery stores, and more.
Contactless payments are secure because just like a chip card, each transaction is accompanied by a one-time code that protects your payment information.
Contactless payments provide an electronic record of your purchases and give you all the functionality of a Visa card, so you can add a tip and even get cash back (where available).
The Carter Bank & Trust Debit Card may be used to make everyday purchases at millions of places worldwide where a Debit Card is accepted, including:
- Department Stores
- Internet Merchants
- Doctor’s Offices
- Airlines and Hotels
- Grocery Stores
- Gas Stations
Purchase amounts are automatically deducted from your checking account so you won’t incur interest charges, accumulate debt or create monthly bills to pay.
From internet and cell phone to health club dues and commuter passes, service providers are offering the convenience of automatic bill payments. Call these businesses to set up automatic payments using the Debit Card to ensure your recurring bills are paid on time, every time.
Each time you use the Debit Card for a purchase or any other transaction, information about the transaction will be listed on your checking account statement. With each purchase, you will have a record of the merchant name, the purchase date and the amount spent – information that can make it easier to track your spending and manage your budget.
Exchange rates for cash access at international ATMs are often better than the rates available at foreign banks and currency exchange kiosks. Often there are favorable exchange rates when making purchases at millions of locations abroad where Visa® is accepted.
Using the Carter Bank & Trust Debit Card is safer than carrying a lot of cash and more convenient than writing checks. Shop with confidence–on the internet, by phone or in person. If your card is lost or stolen, or if your card number is used without your permission, you will have zero liability for unauthorized purchases.
Within the MoneyPass® ATM Network you have access to more than 34,000 ATMs nationwide without a surcharge fee when you want to withdraw cash.