You can now have convenience at your fingertips. Take a few minutes to read below about the benefits your card provides. An automated teller machine (ATM) card can be used with a personal identification number (PIN). A debit card can be used with a PIN or at a Visa Debit or MasterCard location without a PIN. 1. What Your Card Will Do Your card allows you to receive cash, make deposits, request your balance, and transfer money between your checking and savings accounts. Your card can also be used at stores to make purchases. When you use your PIN, some stores will even allow you to receive cash back.

2. How to Use Your Card at an ATM
Most ATMs operate using the same basic steps. Each terminal screen will provide easy-to-follow instructions. The basic steps include:

• Insert your card into the terminal or "swipe" it through the card reader.
• Enter your PIN
• Select the type of transaction you wish to make.
• Select the type of account
• Select or type in the transaction amount.
• Remove your cash from the cash slot or place your deposit envelope in the terminal.
• Select additional transactions if you wish.
• Remove your card and take your receipt with you.

3. How to Use Your Card for Purchases
Your ATM or debit card can be used at retail locations with a PIN. During the transaction some stores may allow you to request cash back.

Your debit card can also be used without a PIN at Visa Debit or Debit MasterCard locations. Instead of using your PIN, you can sign a receipt for the transaction; however, the money is taken directly from your bank account. The store associate will be able to assist you during this process.

4. Where to Use It
Your card can be used at ATM and retail locations around the world. To identify where you can perform a transaction, match any logo on your card to the ATM or Point-Of-Sale logos at the terminal. For a complete list of PB&T ATMs, click here. (this will take you to the locations page at the point where ATM locations start).