Chip Credit Cards
Starting January 1, 2016, we will begin issuing chip cards to our Visa® credit card customers. Over the next two years, all of our credit cards will be replaced with chip cards.
Until you receive a new chip card, you can continue to use your current, magnetic stripe card.
Benefitting from Chip
We are pleased to provide you with the added security of chip technology. Chip technology makes it more difficult for unauthorized users to copy or access your card information. This tiny chip protects your card information in a big way.
- Count on enhanced fraud protection. When you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.
- Enjoy global acceptance. Chip cards are widely used in international markets and are accepted in more than 80 countries. Having a chip card will make it easier for you to make purchases when you travel internationally.Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide.
- Keep your current protections. You’re still protected against unauthorized use with Visa’s Zero Liability policy.¹ Plus, you keep all the current benefits of your card including local customer service, being able to make your payments at the bank, accessing your account information online, having no annual fees, our low-interest rate and much more!
- Get additional information. Some chip terminals will be able to imprint additional information on your receipts.
Using Your Card While Shopping
When shopping at a retail location with a chip card reading terminal, simply follow the prompts on the terminal to complete your transaction. Chip-enabled terminals have all of the features you are used to with a payment terminal, with the addition of a slot to insert your card. The slot is typically located at the bottom or the top of the payment terminal.
- Insert the chip end of your card into the terminal with the chip facing up.
- Keep your card in the terminal and follow the prompts on screen.
- Remove your card when prompted and take your receipt.
If you shop at a retailer that does not have a chip card reading terminal, just swipe your credit card like normal.
Using Your Card at an ATM
Depending on the type of ATM, your experience may differ slightly. Chip-enabled ATMs have all of the features you are used to. You likely won’t notice any physical difference between a magnetic stripe ATM and a chip-enabled ATM.
- Insert and remove your card as you normally would. This tells a chip-enabled ATM whether you have a chip card or not. Then follow the prompts.
- If the ATM is chip-enabled, some ATMs will automatically detect and use the chip. Otherwise, the ATM may prompt you to insert the card again and leave it inserted. The ATM will clamp down on your chip card to hold it in place until the transaction is complete. Do not try to remove your card until prompted by the ATM.When the ATM says the transaction is complete, the chip card will exit the ATM. Remember to take your card.
- If the ATM is not yet chip-enabled, follow the prompts and complete the transaction as you do today. You will not have to reinsert your card.
Understanding the Differences
Chip cards will have several differences from magnetic stripe cards.
- Chip. On the left-hand side of the card, you will have a small chip that houses data.
- Graphics. Our card background will feature a blue and silver wave design instead of the flag design we used in the past.
We are in the process of changing our check cards to chip cards. Look for more information coming on this as well!
¹ Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
Visa Credit Cards are subject to credit approval. Fees and limits may apply on credit cards and check cards.
Product descriptions contained herein do not take the place of required disclosures under federal and state regulations. Please contact usfor disclosures appropriate to these accounts.