Everything You Need to Know About Contactless Cards
May 27, 2026
If your debit card includes the contactless symbol, you can simply tap your card at participating checkout terminals to complete your purchase in seconds. Contactless payments use the same trusted security technology as EMV chip cards while adding another layer of convenience for cardholders.
How Contactless Payments Work
Using your contactless card is simple:
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Look for the contactless symbol at checkout.
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Hold or tap your card near the payment terminal.
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Wait for the confirmation beep, light, or checkmark.
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Complete your transaction.
Most purchases are completed within seconds, helping reduce wait times and making checkout more convenient for everyday transactions. Contactless cards can still be inserted or swiped if needed, giving customers multiple ways to pay.
The Benefits of Visa Contactless Cards
Faster Checkout
One of the biggest advantages of contactless payments is speed. Instead of inserting your card and waiting for the chip reader to process, a quick tap can complete the transaction almost instantly. This makes contactless cards especially useful for busy retailers, restaurants, coffee shops, and transit systems.
Enhanced Security
Visa Contactless cards use advanced encryption and tokenization technology to help protect your payment information. Each transaction creates a unique, one-time code, which helps reduce the risk of fraud and counterfeit activity.
Because the card never leaves your hand during the transaction, contactless payments may also reduce exposure to card skimming devices commonly associated with traditional card readers.
Added Convenience
Contactless cards provide flexibility for everyday purchases. Whether you’re shopping locally or traveling internationally, tap-to-pay functionality is widely accepted at merchants around the world. Visa notes that contactless payments can also be made using eligible mobile wallets and wearable devices.
Tips for Getting the Most from Your First Bank and Trust Company Contactless Card
Use your contactless debit card from First Bank and Trust Company to maximize rewards, security AND convenience.
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Get rewarded for your everyday spending when you use digital banking with your contactless card from First Bank and Trust Company. Earn points toward travel, cash back and more!
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We make it easy to keep your contact information updated and secured and protected from fraud with Card Management from within our Digital Banking App.
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Monitor account activity easily and regularly through online or mobile banking.
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Use digital wallet options for added flexibility.
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Continue protecting your PIN and account credentials.
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Insert or swipe your card if a terminal does not support contactless payments. Your card still works even if the retailer doesn’t accept contactless payments. Just insert or swipe your card to make a payment.
The Future of Everyday Payments
As more businesses adopt contactless technology, tap-to-pay payments are quickly becoming a standard part of everyday banking. Consumers increasingly value payment options that combine speed, convenience, and security — and Visa Contactless cards from First Bank and Trust Company delivers all three.
Whether you’re making a quick purchase or managing your day-to-day spending, First Bank and Trust Company is proud to bring you technology that offers a modern and efficient way to pay with confidence.
How to Upgrade Your Debit Card to a Visa Contactless Card
- The best way is to call our Customer Support Team at (866) 428-5998
- You can also chat with our support team via chat through our digital banking
- Or, come into your local branch, we will be glad to help you in person, too.
Learn More About Contactless Cards