Chip Card

Learn more about your Chip Card

Debit MasterCard® is embedded with a microchip and has the same enhanced technology already in use around the world - proven to reduce counterfeit fraud.

The Stephenson National Bank & Trust offers Debit Mastercard® embedded with a microchip. Your chip card has the same enhanced technology already in use around the world, and has been proven to reduce counterfeit fraud. SNBT is excited to offer this level of card security for your protection.

IMPORTANT: Call the phone number printed on the front sticker of the card to activate it and select a unique PIN. You may begin using your chip-enabled Debit Card immediately

Remember that your card contains a new card number, expiration date, and security code. If you have any bills automatically charged to your Debit Card, be sure to contact those service providers to inform them of this new information. We recommend to have those automatic payments come directly out of your checking account instead of associating them with your Debit Card number.

PLEASE NOTE: Several merchants across the country are still working to accurately install their new chip-friendly terminals and may be experiencing issues in processing their customer transactions. With this new technology, you may run into issues that are out of our control and are not bank or card related issues. As always, we recommend that you carry another form of payment in the event that a merchant experiences issues with their terminals.


More about your card...

Insert your chip card into a chip-friendly terminal. Approve the transaction amount. Follow the prompt to enter your PIN or to sign. Remove your chip card when prompted.

Your chip card has the same enhanced technology already in use around the world, and has been proven to reduce counterfeit fraud. Read the Facts: Chip Card payments, security that works

Watch the Chip Card Tutorial Video

SNBT also offers Fraud Detective to monitor your Debit Card for potentially fraudulent activity. Learn more about Fraud Detective.

Scroll down to read the Frequently Asked Questions on how to use your card and its security features.

Visit our Debit Card page

Please Note: There is no charge for your first chip card, but there will be a Card Replacement Charge of $10 if your chip card needs replacing prior to expiration.


FREQUENTLY ASKED QUESTIONS


What is a chip card?

It is a payment card embedded with a microchip which contains information such as your card number, name, and other account information. No other personal information is stored on the chip. Plus, your card will still have the magnetic stripe on the back as it does today.


How do I use my chip card at a Merchant or ATM?

 Insert your chip card into a chip-friendly terminal. Approve the transaction amount. Follow the prompt to enter your PIN or to sign. Remove your chip card when prompted.

How does chip technology work?

With each transaction you perform, a unique code is transmitted between the card chip and the merchant’s chip-friendly terminal. Therefore, if a chip transaction were intercepted, the information could not be used again. That is why it is so difficult to copy or counterfeit a chip card.


How is this card different from a magnetic stripe card?

A chip card looks just like a traditional card with the addition of an embedded chip on the front of the card. Rather than swiping your card, you will insert your chip card into the chip-friendly terminal to complete the transaction.


What happens if I try to swipe my chip card instead of using the chip?With each transaction you perform, a unique code is transmitted between the card chip and the merchant’s chip-friendly terminal. Therefore, if a chip transaction were intercepted, the information could not be used again. That is why it is so difficult to copy or counterfeit a chip card.

If the merchant has already transitioned to chip technology, you’ll only be able to complete the transaction by inserting your card into the chip-friendly terminal. However, not all merchants have transitioned to chip-friendly terminals, in these instances you’ll still be able to continue swiping your card using the magnetic stripe.


What is my PIN (Personal Identification Number)?

You will select your own PIN when you call to activate the card for the first time. Start by answering a few security questions, then select a unique PIN not easily guessed by others. Avoid combinations such as '0000' or '1234' or the last four digits of your Social Security Number.


Use your chip card at the same merchants where you currently shop. You may also continue using your card for online payments, telephone payments, and at ATMs. Shop with confidence — at home, in stores, and around the world — knowing your chip card can help protect you from fraud.Does the chip protect my online purchases as well?

The chip works to combat fraud for in-store purchases. As always, use caution by ensuring your computer is safe and the merchant has security measures in place.


Where can I use my chip card?

Use your chip card at the same merchants where you currently shop. You may also continue using your card for online payments, telephone payments, and at ATMs. Shop with confidence — at home, in stores, and around the world — knowing your chip card can help protect you from fraud.