Why should I SIGN instead of using my PIN?

Signature transactions are processed through the Visa network and give you added security to help prevent, detect, and resolve fraud. On many terminals, pressing CREDIT allows you to sign instead of using your PIN. If you are unsure, tell the cashier you would like to sign for your transaction. You should only use your PIN at secure ATM’s or for cash back purchases.

Credit or Debit? What is the difference?

A Visa Debit Card works just like a check, only better. For each kind of transaction, Credit (signature) or Debit (PIN), the amount is deducted directly from your checking account. Better than checks or cash – a Visa Debit Card is more convenient, more secure, and allows better record keeping.

What if my ATM/Debit Card is lost or stolen?!

If your card has been lost or stolen, notify us immediately! During normal business hours call your local branch or after hours CALL (800) 554-8969. It is important to monitor your account activity through monthly statements, Online Banking, or the 24hr Telephone Banker to more quickly identify any unauthorized transactions. Promptly report any fraudulent activity to your local branch.

How can I get an ATM/Visa Debit Card?

Personal and Business ATM / Visa Debit Cards are available* with most First Bank of Tennessee deposit accounts. (*Some restrictions may apply.) Pick up an ATM / Visa Debit Card application at any First Bank of Tennessee branch.

• Download and print a Personal Debit Card Application Form,

• or download and print a Business Debit Card Application Form.

	Visit the Verified by Visa website for more information about making your Visa Debit Card more secure for online purchases.