Contactless Cards

What is a contactless card?

Contactless is a new technology that allows you to tap your Banner Bank credit or debit card on the payment reader at checkout without needing to swipe or insert your card into the payment reader. Your contactless card will display the contactless indicator on either the front or back of your card.

 

How does a contactless transaction work?

Your contactless card is enabled with an embedded antenna that securely transmits information to the payment reader. Simply look for the universal contactless symbol  at checkout everywhere your Banner Bank Mastercard is accepted. When prompted for payment, tap your card within 1-2 inches of the contactless symbol on the payment reader. You will hear a beep, or see a checkmark or green light that indicates your transaction went through. Even if you tap twice, you will only be charged once for that transaction.

 

How can I tell if my card supports contactless transactions? 

Your card will have the universal contactless symbol on it if contactless transactions are supported. The symbol, shown above, has four curved lines expanding outward from left to right. 

When will I get a contactless card? 

If your card does not yet support contactless transactions, it will automatically be upgraded the next time the card is replaced, usually once the card is nearing its expiration date.  You can request a replacement card if you’d like to upgrade to contactless sooner. To make a request, please contact your nearest local branch. 

 

Where can I use my contactless card?

You can use your contactless card anywhere Banner Bank credit and debit cards are accepted and you see the contactless symbol at checkout. You can then simply tap and pay with your Banner Bank credit or debit card.

 

Is contactless technology safe?

Yes. Contactless payments are safe for several reasons. A unique code is generated each time you tap your contactless card at the payment reader, reducing the risk of counterfeit transactions. Even if you tap twice, you will only be charged once for that transaction. Transactions will only go through if your card is within 1-2 inches of the contactless symbol on the payment reader, giving you peace of mind when paying. Whether you choose to tap, swipe, or insert for your purchases, Banner Bank will continue to provide credit and account protection benefits.

 

What are the benefits of contactless technology?

Contactless technology makes it quicker and more convenient when paying. It saves time on both sides of the counter and your card also doesn’t leave your hand, minimizing fraudulent transactions. You will continue to enjoy all the benefits of your Banner Bank card whether you choose to tap, insert, or swipe for your purchases.

 

Is there a limit on the value of goods you can purchase with contactless credit cards?

You can use your contactless credit card for any amount up to your available credit limit, and you will continue to enjoy the same rewards and benefits.

 

What should I do if tapping my card doesn’t work?

If the payment reader does not work when you tap your card, you can still use your card by swiping or inserting it into the payment reader. Please call the number on the back of your card for assistance with further questions.

 

What other terms are used to describe contactless?

You may hear contactless technology described as “Tap and Pay,” “Tap and Go,” “Wave and Go,” and “Swipe Free Shopping."