Make Purchases Simple and Secure
Managing business expenses requires both convenience and control. American Community Bank & Trust business debit cards give you a streamlined way to make purchases wherever Visa® is accepted—whether you’re paying vendors, handling day-to-day expenses, or making online purchases. Purchases are deducted directly from your business checking account, helping you maintain clear visibility into cash flow and simplify expense tracking. With built-in security tools and fraud monitoring, you can confidently manage your business spending while staying focused on operations.
If you're ready to simplify purchasing while maintaining control and security, contact our team.
Key Components of ACBT Debit Cards
uChoose Rewards®
Your business spending can work harder for you. With uChoose Rewards®, your company may earn points on everyday purchases made with your business debit card. You earn 1 point for every $2 spent on:
- Signature-based transactions
- Online purchases
- Purchases with participating uChoose Rewards retailers
Points are valid for two years and can be tracked and redeemed through the uChoose Rewards platform. This allows your business to benefit from routine spending while maintaining flexibility in how rewards are used.
uChoose Rewards Enrollment/LoginDigital Wallet Services
Your business doesn’t stop moving—and neither should your payment tools. With digital wallet integration, you can securely add your business debit card to your mobile device and make purchases without needing your physical card.
Once added, your team can use compatible devices to make fast, contactless payments wherever digital wallets are accepted. This is especially helpful for employees on the go or in the field who need quick, secure payment options. Look for the contactless payment symbol:
Simply tap your device at checkout to complete the transaction securely and efficiently. Your online payments can be made using Apple Pay, Google Pay, and Samsung Pay. Learn more by selecting your app provider below.
Fraud Monitoring & Account Protection
With the rise in debit card fraud, protecting your business requires a shared effort. American Community Bank & Trust actively monitors debit card activity to help detect suspicious transactions and reduce risk.
Our Role
American Community Bank & Trust takes an active role in protecting you against fraud. Here are some key elements of our offerings:
- We continuously monitor your debit card transactions for unusual activity
- If something appears out of the ordinary, we may contact you during business hours to verify transactions
- After hours, our Fraud Detection Center may reach out to review flagged activity
- You may be asked to verify your identity by entering your ZIP code
- We may request confirmation of recent transactions to determine legitimacy
- If fraud is suspected, you will be connected with a representative for next steps
- If transactions are verified as legitimate, no further action is needed
- If you miss a call, you will receive a message with a call-back number and authentication instructions
Your Role
Protecting your business accounts also depends on staying informed and responding quickly. We recommend that business owners and authorized users:
- Take debit card fraud risks seriously
- Consider using a separate account for debit card transactions
- Monitor account activity regularly and report concerns immediately
- Respond promptly to any fraud alerts or verification calls
- Keep your contact information current to ensure you receive alerts
- Utilize available tools to manage employee spending and reduce risk
Please Note: Because commercial debit cards are not covered by Reg E we cannot offer provisional credit. In the case of a fraudulent transaction, you will only receive credit on funds we are able to recoup, if and when that occurs.