Our MasterCard Debit Card makes everyday purchases and withdrawals fast and easy. Your Coastal Heritage ATM/Debit Card gives you instant access to your money wherever you see the MasterCard, NYCE, or Cirrus symbols worldwide. We put you in control of your money with more tools, including advanced fraud alerts, digital card controls, and contactless payments.
Contactless EMV Card
What is a contactless EMV card?
Contactless cards allow for purchases with a simple tap of your card to pay at checkout. Your Contactless EMV debit card provides all the same security advantages as chip cards, but with a much faster “tap and go” experience. Contactless EMV cards eliminate the frustration of waiting on a chip transaction, while providing the same EMV-level security.
Is my debit card a contactless?
You can tell if your debit card has contactless capabilities by looking for the contactless symbol on the lower right of your card 
How does a contactless debit card work?
Contactless cards use a hidden, embedded computer chip and antenna. After you tap your contactless card at checkout, payment details are sent securely to the merchant. The data that is passed to the merchant is unique to that specific transaction and cannot be replicated. You’re in control because your debit card never leaves your hand at checkout.
Where can I make contactless payments?
Simply tap to pay anywhere you see the contactless symbol at checkout. If you don’t see the contactless symbol, your debit card can still be used by inserting your chip or swiping at checkout.
How close does the “tap” have to be to the checkout reader?
Typically, when you tap your card at checkout, it must be within an inch of the contactless symbol on the terminal at the counter. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader.
Do I have to treat my debit card in any special way?
Treat your contactless card as you would any other card. Always know where your card is and keep it in a safe place. As a reminder, never write your PIN on your card.
Do I need to turn it on/off?
Contactless cards contain no battery and are always on and ready to use. If you prefer to block your card in between purchases for extra security, you may do so in Online Banking or our mobile app under “Card Manager”. All transactions, except for recurring payments, will be denied until you turn your card back on.
Is my card secure?
Yes! Contactless cards provide the exact same level of security as EMV chip cards. In fact, contactless is even more secure because the cardholder name is not passed in the transaction data. No accidental payments can be made as your contactless-enabled card must be close to the reader at checkout to work. Even if you tap more than once at checkout, you’ll only get charged once for your purchase.
What do I do if my debit card has been lost or stolen?
If you’ve lost your card or you suspect unauthorized activity on your account, please immediately call us at 833-369-0497.
Card Manager
Stay ahead of your spending with digital card management within the Coastal Heritage app or within Online Banking.
- View month-over-month graphs to see how much you spend on household needs, traveling and personal care.
- Monitor your subscriptions and recurring purchases with ease.
- Travel without interruptions by letting us know where you plan to use your cards.
- View your digital card (full card number and details needed to perform transactions without a physical card).
- Add an enrolled card to your digital wallet.
- Turn cards ON and OFF. When your card is off, no purchases or withdrawals are approved except for previously scheduled recurring payments.
- Enable controls to restrict card usage based on location, spend limit, merchant type, and transaction type.
- Establish alerts for each time the card is used based on specific desired alerts.
- Activate new cards.
- Change or set a new PIN number.
Mobile Wallet
Your Coastal Heritage MasterCard® is ready for use with Apple Pay™, Google Pay or Samsung Pay. Tap to pay securely, right from your phone or smartwatch, so you can check out in stores, in apps, and online without pulling out your physical card. Mobile wallets use tokenization, which means your actual card number isn’t shared with merchants. Open the Wallet app on your smartphone to get started, or push your card to your mobile wallet using “Card Manager” within our mobile app.
Travel Notification Procedures
Travel without interruptions by letting us know where you plan to use your cards, with no foreign transaction fees, allowing for cost-effective international spending. Unusual card activity in new locations may trigger our fraud monitoring systems, which could result in denied transactions. If you are traveling out of the country, or out of state, we suggest you to add your travel plans to Card Manager within our mobile app or online banking. Click “Manage Travel Plans” and add up to 2 travel plans with up to 15 destinations for each plan. Need assistance or have longer travel plans? Please give us a call at (800) 695-1300 or visit any branch location prior to your trip, where we can also order major foreign currencies for your convenience.
A few additional suggestions:
- Check your card to make sure it won’t expire while you’re away.
- Confirm your debit card limit for both Purchases and ATM withdrawals, as well as your account balance so you’ll know how much you will be able to spend or withdraw each day.
- For your convenience, “Card Manager” within our mobile app also has a link to report your card lost or stolen, so you won’t have to scramble in the unlikely event your card is lost or stolen. Remember, never write down your PIN number.
Your security is our top priority. Notifying us in advance of your trip keeps your debit card ready to use across the globe.
