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Debit / ATM Cards

Shazam Locator

Central Bank participates with SHAZAM, a regional ATM network for our customer's ease and convenience. In Tennessee alone, there are over 100 non-surcharge locations and over 3,000 nationwide. Click on the SHAZAM LOCATOR and find the location of a SHAZAM ATM near you.

SHAZAM Locator

How Different ATMs Work With Your Card

  • SHAZAM ATMs. Your SHAZAM ATM or debit card can be used at any ATM that features the SHAZAM logo. You search for a SHAZAM ATM in a specific area using the†SHAZAM Locator.
  • Non-SHAZAM ATMs. When an ATM does not feature the SHAZAM logo, look for the logo of one of the two international ATM networks: Cirrus or Plus. Your card should display, in addition, to the SHAZAM logo, one of the international network logos. Your card can be used at non-SHAZAM ATMs when the international network logo on the ATM matches the Cirrus or Plus logo on your card.

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How Logos Identify Use

The key to finding an ATM or merchant that will accept your card is to match the logos on your card to the ATM or merchant location you wish to use.†Logos are displayed on the ATM or at the checkout or point of sales (POS) of the merchant you want to use:

  • ATM cards. Most ATM cards have two logos or marks on them. They will usually have a regional logo (such as SHAZAM), and an international ATM logo (such as Cirrus or Plus).
  • Debit cards. Most debit cards have three logos or marks on them. In addition to the regional and international ATM logos, they have either a Visa or MasterCard logo.

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The Difference Between ATM, Debit, and Credit Cards

ATM Cards

  • The way they work: the money is electronically withdrawn from (or deposited to) your account when a withdrawal (or deposit) is made.
  • At ATMs: Use at ATMs to withdraw cash, inquire on balances, transfer funds and make deposits (when available).

Debit Cards

  • The way they work: The money is electronically withdrawn from your account when a purchase or ATM withdrawal is made.
  • At ATMs: Use at ATMs to withdraw cash, inquire on balances, transfer funds, and make deposits (when available).
  • At stores: Use at stores that either accept a PIN to make a purchase or accept Debit MasterCard or Visa Debit.
  • Over the telephone or Internet:†Use with telephone or Internet merchants that accept the MasterCard or Visa Debit.

Credit Cards

  • The way they work: Allows you to charge or get cash advances for any amount up to the established credit limit of your account.
  • At ATMs: When your credit account allows, you can use your credit card at ATMs along with the PIN provided for your credit card.
  • At stores: Use at stores that accept transactions for the specific credit card. A signature will be required if the purchase is made in person. Other information may be required if you are not at the merchant location.
  • Over the telephone or Internet: Use with telephone or Internet merchants that accept the specific credit card.

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ATM Safety Information

Approaching The ATM

  • Avoid facilities in dark or remote places.
  • If you see people lurking around the ATM or see any other situation that makes you uncomfortable, find a different machine.
  • Take another person with you, whenever possible.
  • Have your card ready.
  • Keep your doors locked and all passenger windows closed at a drive-up facility.

Using the ATM

  • Block the view of others by cupping your hand over the keypad as you enter your PIN and standing between the terminal and any other person who is waiting.
  • Remove your cash, receipt, and card after every transaction.
  • Pocket cash immediately when you make a withdrawal.

Preventing Fraud

  • Memorize your PIN. Do not write it on your card or anything you carry near your card.
  • Donít tell anyone your PIN or account number.
  • Donít loan anyone your card.
  • Report lost or stolen cards immediately. You can be liable for activity on your card if you do not report it as lost or stolen.
  • Never give your PIN over the phone, especially cellular phones.

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Taking Care of Your Card

  • Do not expose the magnetic stripe to other magnetic objects, which can deactivate your card.
  • Record and file the name and phone numbers of your cardís issuer for reporting loss or theft.

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Definitions of ATM-Related Terms

  • ATM (automated teller machine). A machine used for financial services, including account withdrawals and deposits, balance inquiries, transfers, and other services. Customers access an ATM by using an ATM card, debit card, credit card, or EBT card together with their PIN.
  • Debit Card. A card used to directly access a checking account by using an ATM or to make purchases through a merchant that accepts Visa Debit or Debit MasterCard.
    Debit cards can also be used to make purchases from a merchant with an authorized signature instead of a PIN, when the merchant is a Visa Debit or Debit MasterCard point-of-sale location.
  • EBT (electronic benefits transfer). The electronic payment of public benefits, such as welfare or food stamps, to recipients. Funds may be accessed by recipients using an EBT card and PIN as designated ATM and point-of-sale locations.
  • PIN (personal identification number). An identification code used by the customer to authorize ATM, debit, or EBT card transactions. The unique identification code may be pre-assigned by the financial institution or selected by the customer.
  • Point-of-sale (POS) network. The capability of stores to provide consumers the option of using their credit, debit, ATM, or EBT card to make purchases. Some point-of-sale systems require use of a PIN. Others require a customerís signature.

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