FAQs Chip Cards

Below is a list of questions and answers about chip cards. Should you need additional information not found here, please Contact Us.

Yes, everyone will receive a new chip card to replace their existing debit cards in 2016. We will be sending them in stages for a number of reasons, including security, so you may not get yours right away. Additionally, cards will not necessarily be reissued at the same time for joint account-holders or for all your accounts at once.

We are switching to chip cards for enhanced security. The microchip provides extra protection of your information when used at chip-enabled terminals.

If a store has chip-enabled payment terminals, you may be asked to insert your card into the reader with the chip facing up and follow the prompts on the screen until the transaction is complete.

If a store has not updated its payment terminals, you’ll still be able to swipe using the magnetic stripe on the back.

Chip or EMV technology is a new type of payment system that will help increase security and reduce fraud at chip-enabled terminals. These are basically standard debit cards that are embedded with a microchip.

No, your new chip card will have a new number, expiration date and PIN. As a result, you will need to:

  • Update any existing automatic debits. Your new card will feature a different number, expiration and security code.
  • Re-enroll in Debit Card Alerts. If you have not yet signed up for this great text/email alert service, we encourage you to do so – it’s free!

Yes, you can use it anywhere you use your current debit card. Online purchases will work the same way. As for store purchases, you may be asked to swipe in some stores and insert your card in others, depending on whether their terminals are chip-enabled.

We encourage you to activate your new card immediately! As soon as you do, your old one will be deactivated. At that point, you may destroy it.

Unfortunately, we can’t reissue cards ahead of schedule. Our timeline is based on various factors, including card type, and cannot be adjusted.

As a result of upgrades, you may have to leave your card in a chip-enabled ATM until your transaction is done – instead of swiping it quickly. Please don’t forget to retrieve your card when you’re done!

Not all chip-enabled payment terminals are configured the same. For example, some merchants may have enabled chip payments for credit cards but not for debit cards. This does not mean your card is broken.

Yes, but the options you will see on the chip-enabled terminals may look different than before, which could be a little confusing. With your new card, you may see the following:

  • Visa Debit: Use for Credit with signature
  • US Debit: Use for Debit with PIN
    (Some merchants will only show you the “US Debit” option, and you’ll have to ask the cashier how to back out and proceed as credit)

If you have a forwarding address, you may receive our written communications but not your debit card. The cards are returned to the Bank as a security measure to protect you and your account.

To make arrangements to receive your new chip card, please call our Electronic Banking Department at (800) 245-2416.

Additional HSA cards for family members are being reissued in the accountholder’s name due to HSA requirements. Your family member can still use this card for eligible expenses.