What Is EMV / Chip Card?
EMV is the international standard for Chip Card technology. EMV is also known as “Chip Cards”, “Smart Cards” or sometimes “Chip and Pin”.
EMV introduces a small computer or “chip” to every payment device. The most important feature of EMV is the dynamic data generated with each transaction. This dynamic data makes it nearly impossible to create counterfeit cards or replay intercepted transactions.
You can swipe your card the same way you currently do. If prompted, insert your card with chip side facing up and leave it in the terminal until your transaction is complete. Follow the prompts to enter your PIN or sign as needed. Always remember to take your card out of the terminal when you’re finished.
Frequently Asked Questions
Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
We will automatically send you a chip card when your current card expires.
Once you activate your new card, please destroy your existing card for security reasons.
You can use your card at millions of places that accept VISA/Master Card Debit & Credit Cards, at home and around the world.
It’s easy to make purchases with your debit card. You can always swipe your card like you do today. If a chip-activated terminal is available, you will be prompted to insert the chip end of your card into the terminal with the chip facing up. Leave your card in the terminal and follow the prompts on screen.
While your card is in the chip-activated terminal, the embedded chip creates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. If you remove your card too soon, your transaction will be canceled.
Yes. If a merchant is not yet chip-activated, simply swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.
Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your debit card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
No. There are no additional fees to use your new card.
No. You can still select the same PIN with your new card during activation.
For 24-hour customer service or to report a lost or stolen card, please call: (800) 438-6864