Debit Card and ATMs

MAKING PURCHASES WITH YOUR VISA® DEBIT CARD

Use your debit card to make purchases wherever Visa® is accepted.

WITHDRAWING CASH

Use your card to withdraw cash at ATMs worldwide. Non-Cape Cod 5 ATM usage may be subject to a transaction fee. Other banks may also impose their own charges. Premier5 and PrimaryPlus account customers pay no ATM fees.

SURCHARGE-FREE ATMS

Use your card at thousands of SUM® program ATMs nationwide with no surcharge by the ATM operator. For additional information and to find a SUM® program ATM, visit sum-atm.com.

USING APPLE PAY®, GOOGLE PAY™ & SAMSUNG PAY®

With your Cape Cod 5 Debit Card connected to Apple Pay, Google Pay or Samsung Pay, shopping in person or online is easy and secure. Use your phone or other supported mobile device to make purchases at grocery stores, restaurants, hotels — anywhere mobile payments are accepted. And because your card details are never shared when you use Apple Pay, Google Pay or Samsung Pay — they are not stored on your device at all — you get an additional level of security.

INTEGRATED DEBIT CARD CONTROLS & TRAVEL NOTICES

Cape Cod 5 debit cards are chip-enabled for use at home and abroad. To help ensure use of your card while you travel internationally, before you depart please notify our Customer Service Center of your travel plans at 888-225-4636. Lock or unlock your debit and ATM card(s) onthe-go, set travel notices, and set up alerts to monitor account transactions for added security – all from within your Online or Mobile Banking account. See page 3 for more details.

DEBIT CARD FRAUD ALERTS

At Cape Cod 5, protecting of your financial information is one of our top priorities. Cape Cod 5 has partnered with Jack Henry Card Processing Solutions, a national technology service provider for financial institutions, to provide 24/7 debit card fraud monitoring and prevention through the Fraud Center. Debit card fraud alerts will be sent via: • Text message — The text message will ask you to verify transactions with the last four digits of your card. The text messages will never ask you to provide your debit card number, account number or other information and will be sent from short code number “96923.” • Email — You will be asked to click on a link either verifying the charges were authorized or were not authorized. Please use the links enclosed in the email and do not reply to the email directly. The email will note the Fraud

Center phone number 800-237-8990. • Phone call — The automated call system will note that the call is on behalf of Cape Cod 5 and will include the last four digits of your debit card. The system will ask you to verify the zip code for your billing address (which is the address the Bank has on file for your account).

It will then ask you if a charge is authorized by you. The call will be from the Fraud Center phone number 800-237-8990. You will never be asked to provide your full account number, Social Security number, Online or Mobile Banking password or other sensitive information. If you ever suspect you are receiving a fraudulent message, contact our Customer Service Center immediately at 888-225-4636. IMPORTANT — When you are contacted by the Fraud Center by text message, email or phone call, please respond at your earliest convenience. If we cannot reach you to confirm that suspicious activity is legitimate, a transaction may be declined or your card may be temporarily blocked.

How may we help you?

To report a lost/stolen debit card, fraudulent activity or for Online and Mobile Banking support, contact our Customer Service Center 24 hours a day, 7 days a week at 888-225-4636.