Complete Rewards® Visa® Card

A card that rewards you for your spending.
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Platinum Edition® Visa® Card

Shop smart and safe with this low introductory rate credit card.
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Secured Visa® Card

Get the credit card that helps you to start fresh by building or rebuilding credit.
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Introducing a safer, and more convenient way to pay—with big benefits.

The first card you reach for. The last you'll ever need. The GTI MasterCard® Debit Card is very similar to a credit card in that it can be used to make purchases at millions of locations worldwide and access cash at ATMs. The most important difference is that your debit purchase amount is immediately deducted from your checking account.

With Instant Issue Debit Cards, you can receive your card while you are at the bank and have access to your money right away. GTI debit cards featuring EMV chips are a great way to make your banking safe, convenient and hassle-free. And now, you can choose a design to fit your style.

Plays nice with your favorite digital wallet.

City Bank debit cards, together with a digital wallet, let you make purchases at participating merchants, in app, and online using your mobile device. It's a secure form of payment that makes purchases easier than ever. Our debit cards are supported with the following solutions:

Get texts when GTI's Fraud Center detects irregular or possible fraudulent activity

There’s a new layer of communication to keep you informed when it comes to irregular or potentially fraudulent activity on your debit card. We now text customers in the event there is any irregular or fraudulent activity as we take precautions on your behalf to temporarily deactivate your GTI debit card.

How it works

You will receive a text message that will allow you to confirm or deny fraud with a simple “YES” or “NO” reply. If the activity is valid, you will be asked to contact GTI for further assistance. If you fail to respond within 5 minutes after the text notification has been delivered, an automated call from our Fraud Center will contact you asking you to confirm or deny any fraud. However, texts generated from a failed transaction due to restrictions will not be followed by phone call. Additionally, this service is not associated with BNK-N-GO, our text-based mobile banking product. It's the latest solution to help you better manage your finances and keep you in the know as we monitor debit card activity in the fight against fraud. Remember that we will never ask for personal identifiable information though text.

GTI MasterCard Debit Cards have some added benefits worth noting. With enhanced features and benefits, customers can turn good deals into great ones by adding value to purchases large and small with convenience, protection and more. Welcome to a faster, safer, more convenient way to pay.

MasterCard® is a registered trademark of MasterCard International Incorporated. *The descriptions of the listed benefits and enhancements are summaries only. Certain terms, conditions and exclusions apply. The information is provided on “AS IS” basis and for your informational purposes. It is not a specific recommendation for any particular action or investment and should not be relied upon in whole or in part as the basis for decision making or other purposes.

Standard features & benefits

Extended Warranty Insurance*

Doubles the time period and duplicates the coverage of the original manufacturer's or U.S. store brand warranty for a maximum of one year.

Price Protection*

If you find a lower price within 60 days of purchase Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.

Satisfaction Guarantee*

Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.

MasterCard Global Service™

Receive around-the-clock customer service assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs and help with card-related questions.

Identity Theft Resolution Services*

Identity Theft Resolution Services can help you resolve the situation promptly if your identity gets stolen. You get an ID Theft Affidavit and an ID Theft Resolution Kit as well as access to a number of services, including credit bureau notifications. You also have access to 24-hour specialists who will lock out all of your reported cards and documents and, if needed, can even coordinate a conference call with your card issuer. Call 1-800-MasterCard to learn more.

Zero Liability*

You pay only for the purchases you have authorized on your MasterCard, and you won't be held liable in the event of an unauthorized purchase. This coverage extends to purchases made in stores, over the phone or online.

ZEO Prepaid Visa® Debit Card

Manage your finances easily with a ZEO Card, a reloadable prepaid debit card that lets you stay on budget.
  • FREE cash reloads at any GTI branch.
  • USE with mobile payment services, including Apple Pay®Google Pay™ and Samsung Pay.
  • FREE online account management.
  • NO overdraft fees.

Easy to add money

  • Add a branch: Add cash to your for free at any GTI branch.
  • Direct Deposit: No fees to set up direct deposit to get your paycheck, government funds (tax refunds, benefits) and other money added to your card quickly.

Easy to use

  • Go shopping: Shop securely online, in stores or anywhere Visa is accepted.
  • Make payments: Set up bill payments with thousands of merchants using your ZEO Card.
  • Get cash: Withdraw cash at a GTI Branch, at any ATM (fees apply if non-GTI ATM), or at merchants that offer cash back with purchase.
  • Manage your account online: Set up alerts or check your balance and transactions online.
  • Pay with your mobile phone: Make purchases using the latest Mobile Payment services, including Apple Pay®Google Pay™ and Samsung Pay.

Ways to use the ZEO Card

  • Stay on budget: Use your ZEO Card to budget monthly expenses like groceries or entertainment.
  • Watch your spending: You can only spend what you have on your card, so never worry about overdraft fees.
  • Keep your money safe: Use your ZEO Card as a safer alternative to carrying cash, especially while traveling. Your card is not tied to your GTI accounts, so you keep your main funds separated.
  • Your funds are protected by our zero liability policy, and are FDIC insured.

ZEO card and fees

  • No credit check required to apply
  • One-time $4 purchase fee
  • A monthly maintenance fee of $4
  • No overdraft fees
  • Minimum initial deposit of $25 required to open
  • No minimum balance to maintain card