Carter Bank & Trust - Personal Debit Cards


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Carter Bank & Trust Debit MasterCard®

The Carter Bank & Trust

Debit MasterCard®

is a powerful tool that makes

banking and shopping safe

and convenient. Get a

Carter Bank & Trust

Debit MasterCard today

and enjoy all of these benefits...

Make everyday purchases without the hassles of carrying cash or checks
You can use the Carter Bank & Trust Debit MasterCard to make everyday purchases at more than 25 million places worldwide where Debit MasterCard 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--unlike a credit card--you won't incur interest charges, accumulate debt, or create monthly bills to pay.

Save Time by using your card to pay bills automatically
From Internet and cell phone to health club dues and commuter passes, more and more service providers are offering the convenience of automatic bill payments. Simply call your service providers to set up automatic payments using the Debit MasterCard. It ensures your recurring bills are paid on time, every time.

Simplify your record keeping
Each time you use the Carter Bank & Trust Debit MasterCard for a purchase or any other transaction, information about the transaction will be listed on your checking account statement. With each purchase you make, you'll 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.

Access your checking account at home and abroad
The Carter Bank & Trust Debit MasterCard can be used to get cash through more than a million ATMs that accept MasterCard.

Save money when traveling outside of the United States
Exchange rates for cash access at international ATMs are often better than the rates available at foreign banks and currency exchanges kiosks. Often you'll receive favorable exchange rates when making purchases at millions of locations abroad where Debit MasterCard is accepted.

Enjoy added security and protection
Using the Carter Bank & Trust Debit MasterCard is safer than carrying a lot of cash and more convenient than writing checks. You can shop with confidence--on the Internet, by phone, or in person--knowing you're protected. If your card is lost or stolen, or if your card number is used without your permission, you'll have zero liability for unauthorized purchases. Exceptions Apply.

Cash Withdrawals
Your Carter Bank & Trust Debit MasterCard card may be used at 1.4 million ATMs around the world. ATMs allow you to withdraw money from your account.

●ATM Surcharge Fees
Most owners of ATMs charge a fee for using their ATM. The ATM will notify you how much their fee is and allow you to stop before the fee is charged.

Carter Bank & Trust will not charge you for using your card or for using an ATM. We will simply pass on any fees which third parties may assess.

●Recommendation:
When you need cash, make a purchase at a store - select "DEBIT", enter you PIN, and request Cash Back. Most chain stores offer this option which eliminates a stop at the ATM: and No Fees - saving you time and money!

How does it work?

Step 1

Merchant or cardholder swipes the card.

Step 2

Merchant enters purchase information. Merchant requests approval via terminal or telephone.

Step 3

For signature-based transaction: ^*1

Merchant prints out or completes sales slip. You verify amount, sign, and receive receipt. Some smaller purchases won't require a signature.

For PIN-based transactions:

You verify amount, enter your PIN at terminal, and receive receipt.

PIN-Cash back from merchants:

At some merchants, you can request cash back when making a purchase with your PIN. This is a withdrawal from your checking account - saving you a trip to the ATM and costs you NO Fee.

Recommendation:

For other than cash back transactions:

Select "CREDIT" and sign - with Zero Liability ^*2 protection, Carter Bank & Trust provides 100% protection against unauthorized purchases on your Debit MasterCard card.

Step 4

Once the transaction is processed, the amount is automatically deducted from your checking account and will appear on your next account statement.

^*1 You have a Debit Card not a Credit Card; however, for signature based transactions and zero liability protection, you must select "credit" and sign.

^*2 Conditions and exceptions apply

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Need more information?

Visit the Frequently Asked Question page by clicking here


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