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VISA® BUSINESS DEBIT CARD WITH CHIP TECHNOLOGY

Your Bank of Texas Visa® Business Debit Card with EMV chip-activated technology is fast, safe, and accepted worldwide.

  • To activate your card now, call (800) 448-8268.
  • For questions about your card, or to report it card lost or stolen, call (800) 346-5312.
  • To order your card, contact an ExpressBanker, email a Business Expert, or visit one of our banking centers.

Convenience


Swipe your card as you do today. If a chip-activated terminal is available, insert your card and follow the prompts. See "Using Your Chip Card" below for details.

View detailed transactions on your account statement, and via online or mobile banking.

Make business deposits and withdrawals quickly at Bank of Texas ATMs, and get access to free ATMs nationwide4.

Use your card at millions of merchant locations, and for online or phone purchases.

Security


Zero Liability1 means your Business purchases are protected from unauthorized charges when promptly reported.

Because your Visa® Debit Card comes with built-in chip technology, you get an extra layer of security against fraud.

Sign up for Online or Mobile Alerts to get notified of activity on your bank accounts.

View detailed transactions on your account statement, and via online or mobile banking.

Additional Benefits2


Enjoy these value added benefits that also come with your card:

  • Additional cards are available at no cost for authorized signers.
  • Save money on selected purchases whenever you use your Bank of Texas Visa Business Debit Card. Click here3 for special offers.
  • Auto Rental Collision Damage Waiver
  • Travel & Emergency Assistance Services
  • Purchase Security & Extended Protection Program

Using Your Chip Card

You can swipe your card at traditional terminals, but if a chip-activated terminal is available, follow these simple steps:

1. Insert the chip end of your card into the terminal with the chip facing up. 2. Keep your card in the terminal and follow the prompts. 3. Remove your card when prompted and take your receipt.

Debit Card FAQs

What is a chip card?

Chip cards are regular plastic credit or debit cards with an embedded microchip. The chip protects in-store payments because it generates a unique, one-time code that is needed for each transaction to be approved. A chip card also has a magnetic stripe on the back of the card.

Do I need to use a PIN with my chip card?

Just like you do today, you’ll have the option to either sign or enter your PIN for debit purchases.

Can I use my chip card for all the same things as my old card?

Yes, you can still make purchases as you always have — by entering the card number online or swiping your card at merchant locations that do not yet have chip readers. You can also continue to use your card at ATMs.

Where can I use my chip card?

You can use your chip card anywhere Visa cards are accepted. You can swipe your card just like you do today using the magnetic stripe on the back of the card, if a chip-activated terminal is not yet available. The terminal or the cashier will prompt you to insert and leave the card in the terminal until the transaction is complete if it’s activated for chip.

Can I use a chip card at a merchant that hasn’t yet updated their terminal?

Yes, just swipe your card using the magnetic stripe the way you always have. You’re still protected from unauthorized transactions with our Zero Liability Policy1.

What if my chip card doesn’t work when I insert it into the chip terminal?

Some merchants may have chip terminals, but they may not yet be activated to accept chip cards. If you are unable to insert your chip card into a chip terminal, you can always swipe your card to complete the transaction. Most often, merchants that haven’t activated their terminals will block the chip slot.

How will I know whether to swipe my card or insert it?

Your card will always work either by swipe or insertion. The terminal or the cashier will prompt you to insert the card into the terminal if it’s activated for chip technology. If the terminal is not yet chip-activated, you can always swipe your card to complete the purchase.

Are chip cards more secure than magnetic stripe cards?

All Visa cards offer protection from unauthorized use of your card or account information. Chip technology offers another layer of security when used at a chip-activated terminal, because it generates a unique, one-time code that is needed for each transaction to be approved.

What do I do if my chip card is lost or stolen?

Contact our ExpressBank at (800) 346-5312 to report your card lost or stolen and request a replacement card. Your debit card comes with zero liability protection, so you won’t be liable for any unauthorized transactions you report timely.

What is Purchase Security?

Within the first ninety (90) days of purchase, Purchase Security will replace, repair, or reimburse you for eligible items of personal property purchased entirely with your eligible Visa® Business Debit Card up to a maximum of $10,000 per claim and $50,000 per cardholder in the event of theft or damage. For more information, contact a Business Expert.

What is Extended Protection?

Extended Protection doubles the time period of the original manufacturer’s written U.S. warranty up to one (1) full year on warranties of three (3) years or less up to a maximum of$10,000 per claim. For more information, contact a Business Expert.

What is the Business Auto Rental Collision Damage Waiver?

When certain terms and conditions are met, Visa® Business Auto Rental Collision Damage Waiver benefit provides, at no additional charge, reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. For more information, contact a Business Expert.

What does Travel and Emergency Assistance Services cover?

Should the need arise, Travel and Emergency Assistance Services will put you in touch with the appropriate emergency services. For more information, contact a Business Expert.

1 Covers U.S.-issued debit cards only. Does not apply to PIN transactions not processed by Visa. Cardholder must notify Bank of Texas promptly of any unauthorized use. Certain conditions and limitations apply. Refer to the Agreements and Disclosures for more information.
2 See Terms and Conditions
3 At participating merchant locations
4 Although we will not charge you a fee for using a non-Bank of Texas ATM, some banks will. If they do, simply mail your original ATM receipts, along with a completed ATM Rebate Form, and we will reimburse you for the surcharges. For details on our ATM Rebate Program, click here.

© 2016 Bank of Texas, a division of BOKF, NA. Member FDIC. Equal Housing Lender.