Introducing chip technology

Get big protection in a tiny chip

Community Trust Bank Visa® Debit Cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure - it’s also easy to use. Here’s what you can look forward to as a cardholder. 

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 virtually impossible 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].1


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.


Community Trust Bank Flexcard with an EMV chip with text about why you should use your card


Answers to questions about chip technology:

 

 

Q: When will I receive my new Community Trust Bank Visa Debit Card with built-in chip technology?

 

: 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 virtually impossible 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.


1 Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You can contact us at 1-800-282-7762 to report unauthorized use of your card or if you have additional questions regarding chip card technology.