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Q: What if a merchant doesn’t have a chip-capable terminal? Will my card work?
A: Yes. Just swipe your card’s magnetic stripe, like you would with your old card. Online purchases still work the same way they did with your old card.

Q: When do I swipe? When do I insert?
A: When in doubt, swipe your card. If the terminal is chip-enabled, it will recognize that your card has a chip and prompt you to insert it instead.

Q: What is different about my new card?
A: Your new card features an embedded chip that improves security every time you make a purchase at a chip-enabled terminal. The chip technology creates a unique code for each transaction that is difficult to duplicate, reducing the risk of fraudulent charges on your account.

Q: Does my chip card work at the ATM?
A: Yes. You can still use your card to get cash, check your balance, and more.

Q: Where can I use my chip card?
A: Use your chip card at the exact same merchants you do now by inserting the card into card terminals that are chip enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also use your card as you did before for online payments, telephone payments, and at ATMs.

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Enjoy the added security of your chip-enabled card.

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Safety Tips

  • Do not write your PIN number on your card.
  • Report a lost or stolen card to your financial institution immediately.
  • Treat your card like cash and aways keep it in a safe place.