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:

• Restaurants
• 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 37,000 ATMs nationwide without a surcharge fee when you want to withdraw cash.