EMV Chip Cards

We're bringing chip cards to all of our cardholders.

Information programmed into the chip is personalized for your account and each transaction is unique, adding a new safeguard against fraud.

There is no need to request your new card. We will start replacing cards in 2017.

How do chip cards work?
If a merchant is already using a chip-enabled terminal, paying is as easy as:

  1. Insert your card, face up and chip end into the terminal.
  2. Leave the card in the terminal.
  3. 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.

If a merchant isn't using a chip-enabled terminal yet, you'll still be able to 'swipe' your card to make your purchase, just as you do today.

At an ATM
The process is essentially the same as at the merchant. Insert your chip card into the terminal and follow 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the ATM until the transaction is complete and the card is released, and then remove your card and any cash you may have withdrawn. A PIN is needed for ATM transactions.

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

Please contact us at (210) 496-6116 or (800) 449-2003 if you have any questions.