What is EMV Chip Technology?
EMV stands for Europay, MasterCard and Visa. An EMV chip card has a microprocessor embedded directly on the front of the card. The chip provides stronger transaction security features and other application capabilities that traditional magnetic strip (i.e., magstripe) cards do not have. Although chip cards do not totally eliminate fraud, they provide additional security for our cardholders.
How do I use my chip card at an ATM?
- Insert the chip end of your card, with the chip facing up, into the chip-enabled ATM.
- Leave your card in the ATM slot for the entire transaction. Follow the prompts on the screen to complete the transaction.
- Remove your card when prompted and take the receipt. A light located directly above the card reader will flash to prompt you to retrieve your card. If you do not take your card after a few seconds, the ATM will beep to remind you to remove your card.
How do I use my chip card in stores?
When you try to swipe the commonly used magstripe at a merchant’s chip-enabled POS terminal, you will be prompted by the terminal to use your card’s chip instead. When instructed to do so, follow these general steps:
- Instead of swiping your card, insert the chip end of your card—with the chip facing up—into the chip-enabled terminal.
- Leave your card in the terminal throughout the entire transaction and follow the prompts on the screen to complete the purchase.
- Remove your card when prompted and take your receipt.
Card Design Options
Instant issue debit card available in branches for $5