Debit Cards

Visa Debit 

When you open a KCT Checking account you can receive a KCT Visa® Debit card. Our card can be used for everyday purchases and as an ATM card to withdraw cash. For your nearest surcharge free ATM visit our locations page. Your KCT Visa Debit card will require you to set a PIN upon activation. Your PIN (Personal Identification Number) is a 4-digit code you will need to enter whenever making a PIN-based debit transaction or withdrawing cash from an ATM. You can also select to process your transactions as a credit transaction. The only difference is instead of entering your PIN, you may be asked to sign your signature. The transaction will still automatically withdraw from your KCT Checking*. You will not receive a separate statement for credit transactions.

Benefits of a Debit Card
  • Shop with ease and eliminate the need to carry cash or checks.
  • Purchase items in store or online, anywhere Visa cards are accepted.
  • Enroll in Visa Checkout to make online shopping more convenient.
  • Simply swipe and select credit or debit to complete your transaction. (Credit transactions may require a signature. Debit transactions require your 4-digit PIN.)
  • Add your KCT Debit card to your Mobile Wallet to pay using your Smartphone.
  • Receive Visa's Zero Liability Policy** with Credit transactions.

All transactions are automatically withdrawn from your KCT Checking account.*

*If there are insufficient funds in your KCT Checking account your transaction may be declined. Result of insufficient funds depends on Overdraft Protection, Reg D and Reg E. See our disclosures section or speak to a Member Service Representative for more information.

**Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify KCT immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.


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