The Citizens Bank & Trust MasterCard^® Debit Card works like a check, but without the hassle. Use your CB&T Debit Card anywhere MasterCard^® is accepted and the funds will be deducted directly from your checking account at the time of purchase. In addition to convenience, our debit cards come with EMV chip technology. This adds a significant protective layer to your everyday purchases, and is a crucial step in creating a stronger barrier between you and potential fraud. Your CB&T MasterCard^® Debit Card also doubles as an ATM Card. This means you can use it at any of our conveniently located CB&T ATMs throughout Polk County at NO CHARGE. It also enables you to access your account(s) at various locations throughout the country.