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EMV Chip-Enabled Cards

Enjoy the added security of your chip-enabled card! Did you recently receive your EMV chip-enabled card and have questions? Maybe you're not quite sure if you're using your card correctly. Check below for some frequently asked questions and a helpful diagram to show you how to use your new EMV card.

Frequently Asked Questions

Q: What if a merchant doesn't have a chip-enabled terminal? Will my card work?

A: Yes. Just swipe your card's magnetic strip like you would with your previous card. Online purchases still work the same way they did with your previous 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.

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: How do I process my transaction as credit?

A: Once you insert your card, tell the merchant you would like to process your transaction as a credit. They will provide further instruction at that point. If you are prompted for cash back, that means your transaction is trying to process as a debit and you will have to let the merchant know.

How to use your Chip-Enabled Card