Chip Debit Card Information
Q: What is EMV?
A: EMV stands for Europay, MasterCard®, and Visa®. Chip cards, Smart Chip cards, and EMV cards are different names used to describe the same security technology.
Q: What does the chip do?
A: The chip provides an enhanced level of security. It enables more secure processing by producing a one-time use code for each transaction completed at a chip-enabled terminal. This makes it difficult to create a counterfeit EMV chip card.
Q: When will I receive my new chip card?
A: Chip cards will be issued for new debit card requests, expired/reissued cards, and for events which require us to change your debit card number. The chip cards have a new card design. If you would like to receive a chip card before your current card expiration date, you can request one by calling 765-676-5100.
Q: Where can I use my new chip card?
A: You can use your chip card anywhere that Visa® is accepted.
If a merchant does not have a chip-enabled terminal, you can continue to swipe your card.
If a merchant has a chip-enabled terminal:
- Insert your card into the terminal with the chip facing up.
- Keep the card in the terminal throughout the transaction and follow the prompts on the screen.
- Remove your card when prompted and take your receipt.
Q: Will I be required to use my PIN number?
A: PIN transactions depend on the capabilities and set up of the terminal, both methods (signature or PIN) will still be used.
Q: What if I dont know my PIN?
A: To request a PIN reminder, please call 765-676-5100.
Q: What should I do with my old Visa® debit card?
A: Once you activate your new chip card, please cut up and destroy your existing card for security reasons.
Q: Will chip cards prevent all fraud from happening?
A: Chip cards provide an additional layer of security when they are used at chip-enabled terminals; however, there are still ways fraud can be committed with a chip card.