Credit & Debit Cards

Credit & Debit Cards

EMV Debit Cards

New Chip Card. Added Security.

Frequently Asked Questions:

What is EMV?
EMV is named after its original developers: Europay, MasterCard®, and Visa, and is the global standard for credit and debit payment cards.

Chip Cards have an embedded chip that allows payment information to be securely transmitted at a chip-enabled terminal. This technology provides an enhanced level of security and greater worldwide acceptance as it is already standard practice in more than 130 countries worldwide and more U.S. merchants are accepting chip cards every day.

What makes chip technology more secure?
The chip technology provides stronger protection by making it difficult for your card to be copied or counterfeited at chip-enabled terminals as a unique code is created for each transaction.

Where can I use my card?
In addition to using your card at chip-enabled terminals, your card has a magnetic stripe allowing you to use it at retailers who do not yet have chip-enabled terminals.

How do I use my Chip Card at a retailer that is not yet chip-enabled?
Your card is also equipped with magnetic stripe technology, so you can swipe your card like you do today at retailers that are not yet chip-enabled. For online or phone purchases, simply provide your card number and complete your transaction as you do today.

When can I expect to receive my new First Exchange Bank Chip Debit Card?
We will issue your new EMV chip debit card when your current debit card expires. If you would like to get your chip card sooner, just call or stop by your local First Exchange Bank branch and we will be happy to order you your new card today.

It’s Easy to Pay at a Chip Terminal. Here’s How:

Step 1:
Insert and leave the chip end of your card into the terminal with the chip facing up.

Step 2:
Keep your card in the terminal and follow the prompts on screen.

Step 3:
Remove your card when prompted and take your receipt. You may have to sign for your purchase.

Contact your local First Exchange Bank branch for more information.

Credit Cards

Our Visa® Rewards Platinum credit card offers hometown convenience, worldwide acceptance and great benefits. 

  • Competitive Rates*
  • Reward points for merchandise and travel. Visit cRewardsSM at for details. 
  • Tickets good on any airline with no blackout dates 
  • Chip Card Security 
  • Fraud Monitoring and Zero Fraud Liability
  • Personal service from people you know 

Apply Now

To Activate Debit Card

You may first use the card with your PIN at any ATM or merchnat location. 


You may call: 866-392-9952 

Lost or Stolen ATM/Debit Card

Business Hours: 304-986-1700. 

After Hours:800-236-2442  

*See the card application's Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

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