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.

Chip cards offer 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 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.

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)

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