You can simplify your everyday banking, easily make payments and monitor purchases with your American Community Bank & Trust personal debit card. As an excellent alternative to paying with cash or checks, your debit card also gives you access to your money at automated teller machines (ATMs).
Your debit card is a safe and convenient way to make purchases when traveling.
*Some travel restrictions may apply, please contact your banker to discuss.
CardValet helps you take control of your debit card usage and your spending. You can instantly lock cards if they go missing, and unlock them when they are found, set transaction and budgeting limits, stay notified of real-time purchases, and establish parental controls. Play it safe with your debit card. Learn more!
Debit Card Chip technology is now the security standard when making purchases at chip-enabled terminals. The chip provides an additional layer of security to help reduce certain types of fraud resulting from data breaches. As part of our commitment to your financial security, American Community Bank & Trust offers debit chip cards to all of our customers.
Improved security—Chip technology enhances security on every transaction.
Easy to use—Simply insert your card into a chip reader or continue to swipe the magnetic strip as before.
Worldwide acceptance—Chip technology is becoming the standard around the globe.
Using your chip card:
At chip-enabled registers, simply insert the card into the terminal and wait for the transaction to complete—no swipe needed.
Your American Community Bank & Trust chip-enabled debit card will also continue to have a magnetic strip on the back for use in places where Chip technology is not yet available.
The security and privacy of your payments are important. Protect your card with your own personal password so only you can purchase with it online. It is easy, safe, and free of charge. Click here to register.
Debit card fraud is very prevalent today and, to protect your account, we actively monitor our clients' debit card transactions to try to detect potential fraudulent activity. If we suspect something is out of the ordinary, we may call you to verify the legitimacy of the transactions. Your participation in responding to our call is critical in preventing risk and avoiding restrictions that could be placed on your card while we investigate suspicious or unusual transactions.
During normal banking hours, American Community Bank & Trust may contact you to review any transactions that seem out of the ordinary. We will call the primary phone number we have on file. Please note it is very important that we have your primary phone number (both cell and hard lines) on file. Please help us by ensuring we have accurate and current contact information.
In some instances, and after normal banking hours, the Fraud Detection Center will contact you to review any transactions that seem out of the ordinary.
If you are not available to answer the call, a message will be left and a call-back phone number will be provided. If the call was originated by the Fraud Detection Center, you will be given an authentication number to retrieve your alert and you will be asked to approve the transaction or identify it as fraudulent.