Enhanced Security for your Debit Cards
FNBT's new contactless debit cards allowing for faster, secure, no-touch transactions at chip enabled merchant terminals with the contactless symbol. No need to insert your card in the terminal and wait for approval - just tap to pay!
Cards issued by FNBT that have the contactless symbol are enabled with contactless payment technology. Contactless cards have the same layer of fraud protection as EMV chip cards for purchases made at the point of sale. The chip uses short-range wireless technology to complete payments between the card and the terminal for secure transactions to prevent unauthorized use and counterfeiting.
Order Your Contactless Debit Card Now!
- The new Contactless Debit Mastercard® is currently available as an Instant Issue card which you can get anytime by visiting one of our branch locations.
- When your current debit card expires, you will automatically be sent a new contactless debit card.
- Request a contactless card by logging into your FNBT Online Banking or Mobile Banking App and send us a message. We'll have a contactless card sent to you in the mail within 7-10 business days.
Follow these steps to use your Contactless card:
- Look for the contactless symbol on the chip-enabled point-of-sale terminal.
- Place your card over the symbol on the terminal to pay quickly with just a tap.
- Your payment is completed in seconds!
If a merchant isn't using a contactless chip-enabled terminal yet
Your payment will process as it normally does using the EMV chip or magnetic stripe on the back.
Online or phone purchases
Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.
At an ATM
The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.
When will the change happen?
Even though contactless chip cards have started being issued in the U.S. and some merchants have already installed contactless card terminals for payment, the entire conversion process is expected to take a few years to complete.
That's why contactless cards will continue to have a magnetic stripe on the back. That way, if a merchant's terminal or an ATM is not yet contactless chip-enabled, your transaction can still be processed using the magnetic stripe or EMV chip as it is today.
When will I get my contactless debit card?
Your card will be replaced with a new contactless card as your current debit card expires. Once your new card arrives, be sure to activate it for use and then destroy your old card. You'll automatically receive your new chip card in the mail before your card's expiration date. There is no extra charge for the new chip card.
If you'd like to request a contactless debit card prior to your current card expiration date, please visit an FNBT branch near you to select an Instant Issue Debit Card which utilizes the contactless technology.
How am I protected?
With Zero Liability–All FNBT debit cards that we issue come with 'zero liability protection,' so you are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.
Frequently Asked Questions
What is a Contactless card?
A contactless card is a debit or credit card that allows a transaction to be completed with one tap of the card or mobile device at a point of sale terminal displaying this contactless symbol. If a terminal is not contactless enabled, the card can be used by inserting the chip or swiping, as in the past.
What are the benefits of Contactless card payments?
- Security - EMV chip layer of security
- Speed - checkout 10x faster than other in-person methods
- Convenience - quickly tap and go
How close does the Contactless card have to be to the checkout reader?
You can hold the card within 1-2 inches of the contactless chip reader. Note: you can tap your wallet on the contactless reader, but if you have more than one contactless card in your wallet, you'll need to remove the one you want to use.
How do I know if a merchant accepts contactless debit cards?
You will see the universal contactless symbol on the terminal. If not contactless-enabled, you will still be able to insert into the chip reader or 'swipe' your card to make your payment. Note: you will need a PIN to be able to make a transaction at an ATM.
Is a PIN or signature ever required when using the Contactless card?
Yes. A PIN or signature is required when the purchase amount is over the cardholder verification method (CVM) limit. This amount will vary based on the network and merchant.
Can I use my Contactless Debit Card in a digital wallet and mobile devices such as Apple and Samsung Watches?
Yes. You can use your contactless card to make digital payments with Apply Pay, Google Pay, Samsung Pay, and mobile devices, such as watches, through participating merchants.
How safe are Contactless card transactions?
Contactless card technology uses the latest chip security, so it is just as safe as inserting a chip card. When used at a chip-enabled terminal, it is protected by a one-time-use code that changes each time you use it.
Can someone steal my information remotely using a “contactless reader”?
No, RFID readers and NFC readers can't extract data from your contactless card.
What if my card is lost or stolen?
It's important to report a lost or stolen card immediately. Keep a record of the telephone number on the back of your card and call it if necessary.
Contact us for more information
Call us at 1.800.667.4401 or stop in a branch location if you have additional questions about contactless cards, or if you are interested in opening an account.