Frequently Asked Questions: Contactless Card

Have a question? Chances are, you'll find the answer here.

What to know about Contactless Card

Yes! Contactless/Tap to Pay payments offer the same security as EMV Chip transactions and they are backed by Citizens Zero Liability¹ protection. This means you are not liable for purchases not made by you. We also offer 24*7 fraud protection and monitoring to help keep you safe.

You can’t pay accidentally. Cards must be 1-2 inches from the payment terminal and you won’t be billed twice, even if you accidentally tap to pay twice.

¹ Citizens Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Mastercard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting authorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Zero Liability page.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Member FDIC.

Citizens is a brand name of Citizens Bank, N.A.