It’s the most wonderful time of the year! In the midst of all the festivities and with so many gifts to buy in so little time, it’s easy to pull out your credit card and let this month’s spending be next month’s problem. Using your debit card during the holiday season can be a great way to make purchases quickly and securely while keeping your spending in check.

1. No huge bill to pay later - Each time you swipe your credit card for the holidays, you’re creating a bill for yourself to pay in the future. It’s easy to overspend if you don’t have to worry about paying for the items right now. Follow a shopping list and pay with your First Community Bank and Trust EMV Debit MasterCard so that you stay within your budget.
2. Save money for the new year– It is much easier to plan for 2019 and set financial goals if you’re not starting with significant credit card debt. Using your debit card for holiday purchases ensures that you won’t spend more than you have. This may mean that you're able to transfer more money into your savings account or put money towards a vacation or home improvement project in 2019.
3. The First Community Bank Community Bank and Trust EMV Debit MasterCard is convenient and secure – With so many gifts to purchase and holiday parties to attend, it can be difficult to keep track of your money. If you use your First Community Bank and Trust EMV Debit MasterCard during the holiday season, you won’t need to carry cash or checks with you to every store.
4. Your money goes with you wherever you go – Spending quality time with friends and family often includes travel. No matter where you find yourself this holiday season, your money goes with you when you carry your First Community Bank and Trust EMV Debit MasterCard. And, you will have easy access to cash by visiting any ATM that accepts MasterCard.
5. It’s easy to track your spending – When it comes time to review your holiday spending and plan for 2019, a detailed record of all of your recent purchases will be available to you on your account statement…in one convenient location!

Using your First Community Bank and Trust EMV Debit MasterCard for holiday purchases and only spending what you have can help you ring in the new year with less stress and debt and more excitement and joy. Happy Holidays!