Fraud Alert: TCB and other area banks have seen a huge uptick in phishing calls over the last 24 hours. If you receive a call or text message from someone claiming to be from The Claxton Bank asking for any sensitive information, such as name, address, social security number, or digital banking username or password, please hang up immediately and call TCB 912-739-3322. WE WILL NEVER CALL YOU AND ASK FOR PERSONAL OR SENSITIVE INFORMATION. Out of an abundance of caution, we are temporarily disabling our SpinPay P2P service to better protect your account. If you feel like you have inadvertently given out or shared your personal information, please contact us immediately. Thanks. – The Claxton Bank.

Introducing Contactless Debit CardsFASTER PAYMENTS ON TAP

Paying with your TCB debit card has never been quicker, easier, or more secure, with just a tap.

TCB Debit Card
TCB Debit Card

What are contactless Cards?

Contactless cards are the newest way to pay! So, what is a contactless card anyway? Well, a contactless card is just like a regular debit card that can also work a lot like mobile wallets do. With contactless cards, all you have to do to complete your transaction is simply hold or tap the card to the contactless enabled card reader. It is up to 10 times faster than swiping or inserting your card, and it is more secure. And your new card will work everywhere your old card did. So go ahead and tap to pay! You’ll save time and continue to enjoy all the benefits of using your card.


Tapping to pay is faster than swiping or inserting your card.


Simply tap your contactless TCB card on the checkout terminal.


Enjoy the same dynamic security as EMV chip cards.

Here's How It Works


Check for the Contactless Symbol on the store’s checkout terminal.


When prompted, bring your card within a few inches of the Contactless Symbol on the checkout terminal. Depending on the terminal, you may tap on, above, or below the screen.


Your payment is securely processed in seconds. Once your payment is confirmed, you’re good to go!

Understanding Contactless Technology

Contactless cards have a radio antenna built into the chip that uses radio-frequency identification (RFDI) or near-field communication (NFC) technology, allowing the card to communicate with card readers when held near the terminal during transactions. When you hold your card near the reader, it securely authenticates the information on your card based on a token, and then sends that tokenized information to TCB, your card issuer. Your issuer analyzes the transaction before approving it. Once everything checks out, the issuer sends back an authorization code to the merchant and your transaction is complete. All of this happens in less than a second. The transactions are always encrypted, so you can rest assured your information is safe and secure.

Advanced Security Built In

Rest easy knowing that your card is secure. Contactless cards are just as secure as chip enabled cards, and they are even more secure than magnetic strip payments. This is because contactless technology uses the cards chip to create a unique one-time code, called a token, to process your payment. The code is used in place of your card information, so your card number, is never transmitted in the process. And better yet, the code is unique to that transaction, and can only be used once, which means even if it is intercepted, it can never be used again. This protects you from future unauthorized purchases.

And unlike cash, your contactless TCB MasterCard Debit Card comes with 24/7 fraud monitoring, and zero liability protection, which means that you won't be held responsible for unauthorized transactions, as long as you report them promptly. Contactless payments also provide an electronic record of your purchases online, allows you to add a tip, get cash back (where available) and even more.

How to Tell if Your Card is Contactless

To check if your TCB card is contactless just look for the contactless symbol on the front of your card next to the chip. The contactless symbol is four curved lines that get bigger from left to right. It looks similar to the Wi-Fi symbol.

How Do I Get A Contactless Card?

There are a few different ways you can get a contactless debit card. If you need a replacement right away, you can schedule a same day pickup at our Main Branch location. If you're not in a rush, you can order one online, through Digital Banking, or by calling 1-912-793-3322 and you'll receive it in the mail in about a week.

Contactless Debit Cards FAQs

How do I know if my card is contactless?

Simply look for the contactless indicator on the front of your card (it looks like a sideways WIFI symbol).

How do I get a TCB contactless debit card?

You can order your new card online, through Digital Banking, by calling 1-912-739-3322, or by visiting a branch. Your new card can be picked up instantly at our Main Branch location, or you can choose to receive it through the mail in about a week.

How do I activate my new contactless debit card?

If your new card was mailed to you, you can activate your contactless card by calling the number on the sticker afixed to the card, or through the TCB Digital Banking app. Visit the card activation page for more details.

If you picked up your new contactless card from a branch, the card will be activated automatically.

What is contactless payment technology?

Contactless cards have a radio antenna built into the chip that uses radio-frequency identification (RFDI) or near-field communication (NFC) technology, allowing the card to communicate with card readers when held near the terminal during transactions. Simply tap or hold the card near the merchant payment terminal, at the point of sale and the NFC technology allows the terminal to pick up the contactless card details and complete the transaction.

Where can I use my contactless debit card?

You can use your contactless card anywhere you see the contactless payment symbols. This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more. If you don't see the symbol, your contactless-enabled card can still be used by inserting your chip card or swiping at checkout.

How do I pay with my contactless debit card?

When using a contactless card, the cardholder simply taps or holds the card near the merchant payment terminal, at the point of sale. NFC technology allows the terminal to pick up the contactless card details and complete the transaction.

How long should I tap?

You only need to hold your card to the terminal for a short 1-2 seconds.

Is tapping to pay safe?

Yes! Contactless payments offer the same tokenized security as EMV chip transactions and they are backed by the same fraud protection. This means that all transactions are encrypted by one time codes and that you are not liable for purchases not made by you. Our cards also come with 24/7 fraud monitoring, 3D secure, and debit card controls.

The way NFC technology works, it is impossible to pay accidentally. Cards must be 1-2 inches from the payment terminal for a transaction to be processed. And rest easy knowing that you won’t be billed twice, even if you accidentally tap to pay twice.

Why should I use contactless?

Contactless payments are fast, simple and secure! Contactless cards are more convenient than cash. Merchants across the U.S. are increasingly able to accept contactless cards for payment. They are also safer than cash. When you tap to pay, your card has the same advanced encryption and safeguards as the chip on your card.

What if I don't want to or can't tap to pay?

You can still complete your transaction by swiping or inserting your card at check out, we’ve simply added contactless payments as a new and easier way to pay.

Are there any additional fees for the contactless card?

No, the contactless feature is included at no additional cost. Please see the fee schedule for a full list of fees.

How many contactless payments can I make per day?

There’s no limit to the amount of contactless payments you can make per day, provided you stay under the daily card limit of $2,000.00 for consumer cards, and $4,005.00 for business cards.

Can I still add my card to my mobile wallet?

Yes, if you add your contactless card to your digital wallet, you can tap to pay anywhere you see the contactless symbol displayed on a merchant terminal. We support all major mobile wallets, including ApplePay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Don't Just Take Our Word For It

See what these actual customers have to say about banking with TCB, and this is just a few

I was not happy with the service from my previous bank; they treated my wife and I like we were just a number and not loyal customers of 30 years. The former president of that bank recommended TCB and said that we would be happy there and that they offer the same hometown courteous friendly service and products we offered. He also said the new head of TCB in Richmond Hill was a great guy, Chris Barr, and we would be pleased with his service. He was right. The service and communication have been spot on. His honesty, integrity and advice has been above reproach. I Whole heartedly endorse TCB and highly recommend anyone considering doing business with them.
Larry Baker
★ ★ ★ ★ ★
It was such a pleasure buying a home through the Claxton Bank. The process was very easy. We were treated like family, the moment we walk through the doors. Customer service was awesome. My loan officer Mrs. Emily Hall was such a pleasure and helpful person through this process. We greatly appreciate everyone and their professional services that was shown to us. Again thank you so much Kay Blocker for your kindness and for introducing us to Emily. Professional service at its best!
Deborah Harris
★ ★ ★ ★ ★

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About Us

  • PO Box 247
    121 West Main Street
    Claxton, GA 30417
  • (912) 739-3322
  • (912) 739-7456
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NMLS ID#: 433743

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