Chip Card Technology

Big Protection in a Tiny Chip

First Bank & Trust has now added chip card technology to our debit and credit cards! Here’s what you can look forward to as a cardholder:

Enhanced Fraud Protection. When you use your card at any chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global Acceptance. More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence whenever Visa® cards are accepted.

Easy To Use. Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts. See detailed steps below.

4 Easy Steps to Pay

If a chip-activated terminal is available, you will follow these steps:

  1. Insert your card into the terminal facing up and chip end first.
  2. Follow the on-screen prompts.
  3. To help ensure only an authorized user has your card, you may be required to enter a PIN or sign the receipt.
  4. Remove your card when prompted.

What Do I Need to Do?

You do not need to take any action. When your current credit card expires, a new chip card will be sent to you.

Chip Card FAQs
  • What is a chip card?

      A chip card is a regular plastic credit or debit card with an embedded microchip that provides an extra layer of protection when used in stores with a chip-activated reader.

  • How does chip technology protect my information?

      Whenever you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

  • Where can I use my chip card?

      Visa chip cards work everywhere Visa is accepted including:

      1. Chip-activated terminals  –  Visa chip cards offer the greatest security when inserted into a chip-activated terminal.
      2. Terminals that are not chip-activated – Since there is a magnetic stripe on the back of your card, you can simply swipe it.
      3. Online – Just like before, enter your card number or, if the card is already on file with that merchant, select your card during the checkout process.
      4. ATMs – Visa chip cards are still accepted at the ATMs you have been using.
  • Can I swipe my card to pay?

      Yes. If a merchant is not yet chip-activated, you can continue to swipe your card. Keep in mind, you may need to sign for your purchase.