Chip Technology for Enhanced Security
Get big protection in a tiny chip
Community Trust Bank Visa® Debit Cards come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your card is not only secure - it's also easy to use.
Enhanced fraud protection.
When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is more difficult to counterfeit and helps reduce in-store fraud.
Global acceptance.
More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa Debit Cards are accepted.
Easy to use.
Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts. See detailed steps to the right.
No matter how you pay, you’re protected against unauthorized use with Visa’s Zero Liability Policy. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.
Keep in mind, you can continue to use your chip card online and over the phone... the same way you do today. Plus get cash, check your balance and more at millions of ATMs worldwide.
Why use your Community Trust Bank Visa Debit Card?
Your Community Trust Bank debit card works like cash... only better. You can make purchases without the hassle of writing a check, and it's safer than carrying cash.
Answers to questions about chip technology:
Q. When will I receive my new Community Trust Bank Visa Debit Card with built-in chip technology?
A.Community Trust Bank debit cards will be replaced with EMV enabled cards over time, based on your current debit card's expiration date.
Q. What is a chip card?
A.Community Trust Bank Visa Debit Cards now feature built-in chip technology. You'll enjoy global acceptance plus an enhanced level of security.
Q. How does chip technology protect my information?
A.When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is more difficult to counterfeit and helps reduce in-store fraud.
Q. Where can I use a chip card?
A.You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.
Q. Can I still swipe my card to pay?
A.Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Another option is select CREDIT and sign for your purchase, if necessary.
Q. Does my chip card work at the ATM?
A.Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up.
Q. Will I have to pay any fees to use a chip card?
A.No. There are no additional fees to use a chip card. Withdrawals, transfers, and balance inquiries from non-Community Trust Bank ATMs may be assessed a fee by the ATM owner in addition to the $1.00 fee charged by CTB. Transactions processed outside the US are subject to a fee of 1% of the transaction amount.
1Visa's Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify us immediately, at 1(800) 282-7762, of any unauthorized use.