EMV Chip Technology Frequently Asked Questions

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What is a Smart Chip or Chip Card?

How is the Chip Card more secure?

Why is my card being upgraded to a Chip Card?

Can I use my card for everyday transactions or at non-chip terminals?

Will I be required to use my PIN?

What are the benefits of Chip Cards?

 

Q. What is a Smart Chip or Chip Card?

A. Your Chip Card comes with an encrypted microchip embedded in the card. The microchip provides an enhanced layer of security for your transactions.

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Q. How is the Chip Card more secure?

A. The embedded microchip provides unique data specific to your card and to the transaction being processed. These security features make your new Chip Card extremely difficult to counterfeit.

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Q. Why is my card being upgraded to a Chip Card?

A. Chip technology is already used in other countries and now is coming to the U.S. Your new chip card provides an extra level of security and is easier to use at places already using chip technology.

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Q. Can I use my card for everyday transactions or at non-chip terminals?

A. Yes! Your chip card will also have a magnetic stripe on the back so you can continue using your card at ATMs and point of sale terminals while merchants in the U.S. are transitioning to new terminals.

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Q. Will I be required to use my PIN?

A. Depending on where you shop, in certain instances you may be prompted to use your PIN when purchasing with your card.

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Q. What are the benefits of Chip Cards?

A. The biggest benefit of chip cards is the increased security features. Plus you'll enjoy greater acceptance when traveling, as chip cards are common in over 130 countries around the world, including Canada, Mexico, and the European Union.

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