Whether you’re traveling across the border to Canada or to places farther afield, you’ll want to ensure you have the right currency and that your credit cards are accepted wherever you go. Banner Bank offers several options that provide international purchasing power during your vacation or business trip abroad.
Will my credit card work in other countries?
Banner Bank’s World Rewards® MasterCard®, TruRewards® MasterCard, and Commercial MasterCard credit cards are ‘chip & signature’ cards that are accepted in over 130 countries around the world including Canada, Mexico and the United Kingdom, where chip cards are standard. What’s more, they contain an embedded microchip which makes the card extremely difficult to counterfeit or copy.
Do I need to let you know if I will be traveling outside of the U.S.?
Yes. If we detect suspicious activity on your card, such as purchases made outside of your normal range of locations, we may restrict usage on your card in order to protect you from fraudulent activity. If you will be traveling (both inside and outside the country) and using your credit or debit card, please let us know at your earliest convenience by visiting your local branch or calling us at 800-272-9933. Upon contacting us, we will make note of your travels in our system, which may prevent unnecessary blocks from being placed on your card. For your protection, Banner Bank Debit Cards are normally blocked to prevent foreign transactions.
If we suspect fraudulent card use, we will call you to validate the legitimacy of your transaction. We may contact you via an automated call or customer service representative. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.
What’s the difference between chip & signature and chip & PIN? Does my card have a PIN?
Chip & PIN is a very similar technology, except that you use a PIN to complete a purchase instead of a signature. Both chip & PIN and chip & signature offer enhanced security against counterfeiting compared to traditional magnetic stripe-only cards. Banner Bank does not offer chip & PIN technology
Can my chip card be used at an unattended terminal when traveling abroad?
No, unattended terminals generally require a PIN to complete the purchase. Please allow extra time to visit attended terminals when traveling abroad because you will need to sign to complete your purchase.
How do I obtain a PIN for my chip card?
You may request an ATM PIN for cash transactions by calling the number on the back of your card. If you have an existing PIN number for your credit card it is for ATM cash transactions only. It will not work for purchases that require a PIN.
Is chip & signature the same as contactless payment?
No. Instead of waving or tapping your card in front of a device as you do with contactless payments, a chip & signature card must be inserted face up into a chip-enabled merchant terminal.
With a chip & signature card should I continue to notify the bank before I travel internationally?
Yes. Advance notification will help ensure that legitimate credit card purchases are approved.
Can I still use a chip & signature card in the U.S.?
Your chip card will work both in the U.S. and internationally. Your chip & signature credit card also has a magnetic stripe to use for U.S. purchases or any time a chip-enabled terminal is not available.
How can I get a chip card from Banner Bank?
To learn about Banner’s TruRewards MasterCard, click here. To learn more and apply for a World Rewards MasterCard for your personal use, click here. To learn about Banner’s Commercial MasterCard for your business use, click here.
How do I get foreign currency for an upcoming trip?
Banner’s International Money Manager solution offered through Travelex Currency Services is a convenient way to buy foreign currency online. This service is available to residents of Washington and Oregon.
To learn more about chip & signature cards, please click here.