Bank News

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 don’t 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.