Chip Card Benefits

Chip cards provide an added layer of security against fraud when used for transactions at chip-enabled merchant and ATM terminals. The chip is designed to enhance the security of your card, keep your financial information safer, and reduce counterfeit fraud when used at chip terminals. Chip technology helps protect payment data, making it difficult to duplicate for fraudulent use. The result is more secure transactions and a better customer experience.

Chip cards are already widely used worldwide in over 80 countries, providing enhanced convenience and security to anyone traveling internationally. Please be sure to explore the additional resources on this page to answer any questions you may have on chip technology.

How to Use Chip Card

  1. Insert card, chip side up, into a chip-enabled terminal
  2. Follow the onscreen prompts to input PIN or sign to complete your transaction

  3. Remove card when onscreen prompt instructs you

Common Chip Card Questions

What is a chip card?

A chip card is a fully functional credit, debit or ATM card that uses a microchip to help prevent counterfeit fraud during purchases or cash at a chip-enabled merchant terminal.

If I receive a new credit chip card, will my credit card number or credit PIN change?

For most credit cardholders, your card number won’t change when you get a credit chip card. However, if you have multiple cards, some card numbers will change. Also, all cardholders will receive a new expiration date and three-digit security code. Most credit cardholders will also receive a new PIN.

Will my information change when I’m issued a new debit/ATM chip card?

Unless you report your card lost or stolen, the card number and PIN shouldn’t change when you’re issued a debit/ATM chip card. The expiration date and three-digit security code on the back of the card will change.

Do I need to update the credit or debit card billing information I’ve provided to merchants and services?

Yes. Update any and all changes to your card number, expiration date and security code, to avoid any interruption in service.

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