EMV Security Chip

How Chip Cards Work


A microchip embedded in every card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

Using Your Chip Card

Start the payment process by swiping your card, just as you do today. If a merchant's terminal is chip-enabled you'll be prompted to insert your card. If a merchant isn't using a chip-enabled terminal yet, the transaction will process as it normally does.

  • Insert your card, face up and chip end into the terminal.
  • Leave the card in the terminal during the entire transaction.
  • Follow the instructions on the screen and either sign your name or enter your PIN as needed.

Be sure to remove your card and take your receipt when the transaction is complete.


At an ATM

The process is essentially the same as at a merchant. Insert your chip card into the ATM and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released. Then remove your card and any cash you may have withdrawn. A PIN is needed for ATM transactions.

Online or Over the Phone

Nothing has changed for the transactions made online or by telephone, so you'll make payments just as you do today.

Online Banking SSL Information