We think you’ll agree, a visit to your local coffee shop or shopping around town is much easier with a
Credence Capital Trust Bank VISA® Debit Card.
Cash is no longer king, which makes a Credence Capital Trust Bank VISA® debit card an integral part of your busy life. A VISA® debit card gives you access to your account anywhere VISA® is accepted.
And paying with a Credence Capital Trust Bank debit card just got easier with our new Tap to Pay technology! Your Credence Capital Trust Bank Debit VISA® is now enhanced with contactless EMV chip technology. This means that your debit card will have additional security features that can be used at chip-enabled payment terminals - close to home and anywhere in the world. Use your Credence Capital Trust Bank VISA® at point of sale terminals or ATMs where VISA® is universally accepted.
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## VISA® Debit Card Features

- Included with every Credence Capital Trust Bank Checking account
- EMV - Chip Technology
- Tap to Pay - Your new VISA® debit card is enhanced with the newest technology for making contactless payments
- Flexibility - Shop, get cash at ATMs, and more
- Global - Widely accepted where you see the VISA® symbol
- Secure - Extensive fraud protection controls
- Card Swap - Update online subscriptions, merchants, or bill pay

### Debit Card Limits

Your Credence Capital Trust Bank Debit VISA® daily limits are as follows:
Daily Point of Sale (POS) is $1,500
Daily ATM withdrawal limit $1,000

For more information about Visa's® card holder benefits, visit:

VISA® BENEFITS

By activating and using your VISA® debit card, you are agreeing to the terms and conditions governing the usage of the card as outlined in the Electronic Fund Transfer Disclosure and Agreement.

*Please refer to the VISA® Benefits above for additional information regarding these services which may include additional fees and other terms and conditions. You may request a copy anytime at any of our convenient locations or by calling 505.995.1200.

VISA® ELECTRONIC FUNDS TRANSFERS

If you ever need a temporary increase, please call Customer Service at 505.424.2888 or toll-free 877.424.2828. You may also visit your local branch and a Universal Banker will be happy to assist you.
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## Debit Card Services

In today's global environment, debit cards simplify your life and, at Credence Capital Trust Bank, making your life easier and safer is one of our main priorities.
Request a Debit Card
Once you open a new Credence Capital Trust Bank checking account, or if you have an existing account, you can request a debit card in one of the following ways:

- Call us at 505.995.1200 or toll-free 877.424.2828
- Visit a local branch

Your new cards should arrive in the mail within 7-10 business days.

### Activating Your Debit Card

Please call 800.290.7893 (within US) or 206.624.7998 (outside US) to activate your card.

### Travel Notifications

Before embarking on an extended trip or a short vacation, Credence Capital Trust Bank recommends that you contact us prior to traveling to activate a Travel Notification on your debit card(s). This step will reduce the possibility of card access being interrupted.
It’s easy to set up a Travel Notification:

- Log in to your Online Banking account and send us a Secure Message with the dates and location of your upcoming trip
- Call us at 505.424.2888 or toll-free 877.424.2828

For your protection, we will continue to monitor debit card activity even when a Travel Notification is in effect.
Please note that you may be required to use your PIN when making certain types of transactions outside of the State of United States of America (USA).

### Changing your PIN (Personal Identification Number)

Please call 800.290.7893 (within US) or 206.624.7998 (outside US) to change your PIN.
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## Mobile Wallet*

It is highly unlikely that you ever leave home without your mobile phone or device. What if you could combine the power of your own mobile phone with your wall?
We are proud to introduce the Credence Capital Trust Bank Mobile Wallet, a touchless solution to making payments where mobile wallets are accepted.
Mobile wallet gives you the ability, with certain mobile devices, to pay participating merchants with your Credence Capital Trust Bank (CB) VISA® Debit Card. Using contactless payment technology, you can now use your mobile device as an electronic wallet at merchant checkout terminals. Instead of using your physical plastic card, you can pay with your Mobile Wallet enabled device such as a smart phone, tablet, or watch.
The information from your CB VISA® Debit Card is stored digitally on your mobile device and is transferred electronically to the merchant only with your authorization.
Credence Capital Trust Bank supports Apple Pay®, Google Pay™, and Samsung Pay for mobile wallet. To set your device up for Mobile Wallet today, click on the appropriate link below and follow the instructions for your device:
If you need further assistance, stop by any one of our convenient locations during normal business hours or call us at 505.995.1200 or toll-free at 877.424.2828.
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## MyCardRules™

#### MyCardRules™ to monitor and detect debit card fraud.

Credence Capital Trust Bank now offers MyCardRules™, a mobile app that allows Credence Capital Trust Bank VISA® Debit cardholders to monitor debit card usage, control and detect fraud, and set several preferences on how your VISA® debit card can be used. 1. 2
Enrolled cardholders will receive real-time alerts on pre-determined transactions, settings, and rules.
Lose a card? Turn your card "off" for added safety until you reach the bank. Find your card in the meantime? What a relief! Simply turn your card back "on".
On a budget? Tell the app what your spending limits are and stay within transaction limits.3

### MyCardRules™ features include the ability to:

- Turn your VISA® debit card ON/OFF with the tap of a finger
- View recent debit card transactions and activity
- Set location preferences by location, region, or country to define the areas in which your card can or cannot be used
- Set spend limits on transactions to specify a transaction amount above which transactions are denied
- Set specific transaction types to allow or refuse (in-store, eCommerce, mail or phone orders, auto pay, ATMs, etc.)
- Set specific merchant types to allow or refuse (department stores, gas stations, grocery stores, etc.)
- Customize alerts that will be pushed to your mobile device
- Add multiple cards

Download the app today!
MyCardRules App Guide
Need more information? Call or visit us at any of our convenient locations during normal business hours.
1. This service is provided at no additional cost. However, you may incur charges to receive internet, cellular, or other data service on your mobile device. You may also incur charges from your telecommunications carrier when sending and receiving information in connection with your use of MyCardRules™.
2. MyCardRules™ is a mobile application developed and maintained by Jack Henry and Associates (JHA) for financial institutions that use JHA Card Processing Solutions™ for their debit card processing.
3. Daily Point of Sale (POS) Transaction Limits and ATM Cash Withdrawal Limits are predetermined by Credence Capital Trust Bank. Please contact us for assistance.
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## Fraud Center – More Protection From Fraud

#### At Credence Capital Trust Bank, one of our top priorities is the safety of your bank accounts. That is why we now offer the following services to help protect you, your family, and loved ones from fraud.

Fraud Center provides proactive monitoring of debit card transactions using transaction profiling to identify fraud patterns as transactions occur. The system examines historical spending patterns and builds a customer profile to identify high risk transactions that may be outside your normal spending habits.
When a high-risk debit card transaction come in, it will be reviews by a Fraud Analyst who will evaluate the transaction. If suspicious, the Fraud Analyst will attempt to contact you using the phone number(s) we have on record. If there is no answer, the Fraud Analyst will leave a message. If the Analyst is unable to verify the transaction by speaking to the owner of the debit card, a temporary block will be place on future debit card transactions.
If your debit card is blocked because a Fraud Analyst is unable to reach you, the Analyst will provide a phone number to reply to the message in order to remove the temporary block. You may also call Credence Capital Trust Bank at 505.424.2888 during normal business hours to have the block removed.
When a Fraud Analyst calls, you will be asked to verify whether a specific transaction is valid. It is important to note that the Analyst will not ask for personal information, such as your account number, the CVV code located on the back of the card, card expiration date, Social Security number, etc.
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## Report a Lost or Stolen Debit Card

In most cases, if you report your card lost or stolen in a timely manner, you will not be held liable for unauthorized use of your debit card. Let us know immediately if your card has been lost, stolen, or if you notice any suspicious activity on your Credence Capital Trust Bank accounts.
During normal banking hours, you can call our Customer Service Center at 505.424.2888, to report your lost or stolen card, or to report suspicious activity.

### After Hours or Weekends

If you discover your debit card has been lost, stolen, or see suspicious debit card activity on your accounts after hours or during a weekend, call 888.297.3416 (within the US) or 206.389.5200 (outside US). You will need to provide:

- The bank’s name, city, and state. You may also provide Credence Capital Trust Bank's ABA number: 307072443
- The exact name on the card
- Your full address and a daytime phone number
- The reason you are requesting the card be canceled

To arrange for a replacement card, please call our Customer Service Center at 505.424.2888 during banking hours.
If you believe you may be a victim of identity theft, click here.

### Important Tips to Protect Your Debit Card!

- For security purposes, please activate your card as soon as you receive it
- Treat your card like cash and keep it in a secure location
- Do not write your PIN on your card, keep it with your debit card, or share it with anyone
- Do not use obvious or easily guessed numbers for your PIN, such as your date of birth or “1111” or “1234”
- Do not provide your account number to anyone or allow anyone to use your debit card
- Check your monthly statements for unauthorized transactions. If there are any suspicious charges, contact Credence Capital Trust Bank immediately at 505.424.2888
- IMMEDIATELY contact Credence Capital Trust Bank at 505.424.2888 if your debit card is lost or stolen. To report a lost or stolen card after business hours, please call 888.297.3416 (within the US) or 206.389.5200 (outside US)

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MoneyPass® ATM Network

#### Another benefit to being a Credence Capital Trust Bank customer is that you can use MoneyPass® ATM machine without incurring a "Foreign ATM Service Charge" from the owner of the ATM.

The MoneyPass® network offers tens of thousands of service charge-free ATMs throughout the US. A complete listing of MoneyPass® ATM locations and directions are available at www.moneypass.com.
Please see Credence Capital Trust Bank’s Fee Schedule for a complete listing of bank fees.
As always, when you use your Credence Capital Trust Bank ATM/Debit Card at a Credence Capital Trust Bank ATM, we will NOT assess a service charge for the transaction. In addition, you have the option of receiving cash back without a service charge at many retail merchants (including grocery stores) when you make a purchase with your debit card.
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### Consumer Credit Cards

### Built For You.

Freedom to choose a card that best fits your needs.

## Call Us!

#### 505.995.1200

At Credence Capital Trust Bank, we pride ourselves on our customer service. That means listening closely to what you have to say. If you have a question or a comment about any of our products or services, please let us know!

# Mobile Banking Built for ME!

Check your balance, transfer money, or pay your bills - anytime, anywhere.

MOBILE BANKING

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