Mastercard Debit Card

EMV stands for Europay-Mastercard-Visa. This chip technology has been used in more than 80 countries worldwide. EMV debit cards have the chip embedded on the front, and this chip generates a unique transaction code anytime you make a purchase using your card.

There is an embedded chip in your card that generates a unique transaction code. This additional layer of encryption provides stronger security against fraud. Chip-enabled cards store payment information on a secure chip rather than on a magnetic strip. Unlike a magnetic strip card, it is virtually impossible to create a counterfeit chip-enabled card that can be used to conduct a chip-enabled payment transaction successfully.

A chip card is a standard-size plastic debit or credit card with an embedded micro-chip. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.

You can use your chip card anywhere your card is currently accepted.

Insert the chip end of the card into the terminal with the chip facing up. Keep the card in the terminal throughout the payment transaction and follow the prompts on the screen. Then, remove the card when prompted.

If you swipe your magnetic strip on a chip-enabled terminal, the terminal will tell you to place your chip card into the designated slot. If the terminal is not chip-enabled, you will be able to make your purchase using the magnetic strip.

While your card is in the chip-enabled terminal, the embedded chip creates a unique transaction code. This prevents stolen data from being fraudulently used. If you remove your card too soon, your payment transaction will be cancelled.

Yes, you can still use your chip-enabled card to withdraw cash from an ATM using your PIN.

Yes, the PIN from your old card will transfer over to your new card.

No, if a merchant does not accept chip-enabled cards and the magnetic strip is used, it will not be as secure as using the chip. These transactions will process as they do today using the standard magnetic strip cards.

No, your credit card number will remain the same. However, your CVV2 code and expiration date will change. It is important that you update your information for any automatic payments you may have set up.

We recommend that you set a travel notice on any card(s) you plan to use while traveling, so your card access isn't interrupted. To set a travel notice, call First State Bank at 815.539.1519 and ask for E-Ops.