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Increase your spending flexibility with our Visa® contactless credit card.

NOTE: Existing Texas First Bank credit cardholders, if you do not already have a contactless card, one will be mailed to you when your current card expires. You do not need to take any action! If you want one now, just call us at 409-908-9949 and we will be happy to send you a new contactless card.  

Tap to Pay and be on your way with a Texas First Bank personal Visa® contactless credit card. 

  • Easy – Simply tap your card on the checkout terminal whenever you see the contactless symbol
  • Fast – No need to stand at the terminal waiting for your chip card to be approved before removing
  • Secure – Enjoy the same dynamic security as your chip card
  • Hygienic – Touching the terminal is a thing of the past

Tap to Pay is available at many retailers, including grocery stores, coffee shops, restaurants, and more. Just look for the contactless symbol at checkout.

As always, Texas First Bank credit cards feature:

  • No annual fee
  • Competitive interest rates
  • For Texas First Bank customers only
  • Purchase Alerts via the SecurLOCK Equip app
  • Ability to turn your card on/off via the SecurLOCK Equip app
  • Accepted worldwide
  • Exceptional customer service
  • ScoreCard Rewards program available
  • Online account access
  • Identity theft protection
  • EMV chip card technology
  • Compatible with mobile wallets

What is a chip card/EMV card/smart card?

A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.

What does EMV stand for?

EMV is an abbreviation of Europay, MasterCard and Visa, which have worked closely in the payments industry to spearhead the payments standard.

Why is Texas First Bank issuing chip cards?

As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You'll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance when traveling internationally.

Where can I use my chip card?

Many merchants, across the U.S. are beginning to accept chip card transactions and this will continue to grow within the coming years. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance when traveling internationally. Your chip card will still work at terminals where only magnetic stripe transactions are accepted.

Are chip cards secure?

Yes. Chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.

While magnetic stripe cards are still considered secure, chip technology is the next step to providing enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase, you can have confidence in the protection and security features we provide for all credit and debit card accounts.

Remember, if you notice any suspicious activity on your account, notify us immediately by calling the number on the back of your card for credit card holders or calling your nearest Banking Center.

Will chip cards prevent third-party data breaches?

Chip card technology provides an additional layer of security to help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

Will chip cards prevent all fraud from happening?

No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide. As always, your purchases are also covered by our zero liability protection, where Texas First Bank credits your account back from fraudulent charges.

Is a chip card the same as contactless payment?

Contactless cards employ near-field communication technology (NFC), which has a radio antenna that transmits account information, and work by waving or tapping your card in front of a device. Chip cards must be inserted face-up into a chip-enabled merchant terminal that allows the chip to make contact with the reader to authorize and complete a transaction. (Remember to keep your card inserted into the terminal while the transaction is processed.) Texas First Bank does not offer contactless cards at this time.

Do the same benefits come with my chip card that I had with my prior card?

Yes. You'll continue to enjoy the same benefits with your chip card as you do today with your debit or credit card.

How does a chip credit card work?

It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts on the terminal as you do today.

You'll be prompted for a signature to complete the purchase. When traveling internationally, on rare occasions, you may be asked to provide a PIN. Should this occur, just enter the credit card PIN assigned to your card. Your card is available to be removed from the terminal once the transaction is completed.

If the retailer is not equipped to read the chip card, just swipe as you do today. For transactions made over the phone or online, nothing changes.

Do I earn rewards with my chip card?

Yes, for more information on our rewards program, visit

Do I need a PIN to make purchase with my credit card?

You have a Chip and Signature credit card, so in most instances, you should not need a PIN to make purchases with your credit card. In the rare occasion you are asked to provide a PIN, just enter the credit card PIN assigned to your card. You will receive a PIN in the mail that can be used for cash advances at an ATM. Unfortunately, the PIN assigned to the card cannot be changed at this time.

Do I need to notify the bank before I travel internationally?

We recommend that you set a travel notice on any card(s) you plan to use while traveling, so your card access isn't interrupted. For your protection, we'll continue to monitor card activity even when a travel notice is set. If you encounter any issues while traveling, we're here to help.

Please contact our VISA Department at (409) 908-9949 or your nearest Banking Center to set up a travel notice.

Are there any situations where I could experience issues using my chip credit card?

When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks, gas pumps) will require a PIN. In these situations, enter the credit card PIN assigned to your card. Some international self-service terminals do not accept U.S. issued credit cards and may display a message such as "Transaction Canceled". This is known to happen on French Toll Roads or Automated Fuel Dispensers depending on location. In these cases, please locate an attended terminal to complete your transaction, or plan for an alternative payment method, such as local currency.

Are there any additional fees associated with chip credit cards?

There are no additional fees associated with chip credit cards.

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