Chip Cards Are Here!

Take a look at the back of your credit card. What do you see? For some, you may find a thick black band known as a card’s magnetic stripe. For others, your card may be embedded with something different: a tiny chip. These two cards may look similar, but in reality, they are actually quite different. A chip card generates a unique transaction code every time it is used to make purchases. Whereas the information on a traditional magnetic stripe card remains static and unchanging, the data on a chip card changes after every transaction. This makes chip cards much more secure, because the information cannot be duplicated or counterfeited.

If you haven’t received your chip card yet, don’t fret. October 1, 2015 marked the beginning of the EMV liability shift for retailers in the U.S. What this means is that as of October 1, the cost of fraud from non-EMV cards falls on the least EMV-compliant entity, either merchant or card issuer. While many merchants have yet to fully complete their EMV implementation, the liability shift, along with a clearer understanding of the benefits of EMV technology, are expected to motivate current holdouts to make the upgrade. Whether you’ve already received your chip card, or it’s coming soon, make sure you’re familiar with how these new cards work!

Using Your Chip Card at Chip-Enabled Terminals

  1. Insert your chip card into the terminal, facing up. Do not remove until prompted.
  2. Provide your signature or PIN when prompted by the terminal. Some transactions may not require either.
  3. When the terminal says your transaction is complete, remove your card.

Using Your Chip Card at the ATM (When Card Stays Visible)

  1. Insert and remove your card as you normally would. This tells a chip-enabled ATM whether you have a chip card or not. Then follow the prompts.
  2. If the ATM is chip-enabled, it will prompt you to insert the card again and leave it inserted. The ATM will clamp down on your chip card to hold it in place until the transaction is complete. Do not try to remove your card until prompted by the ATM.
  3. When the ATM says the transaction is complete, remember to take your card.

Using Your Chip Card at the ATM (When Card Is Not Visible)

  1. Insert your card. A chip-enabled ATM will automatically recognize the chip on your card. If you’re used to an ATM returning your card immediately, note that your chip card will now be returned at the end of the transaction.
  2. To complete a transaction, proceed as you normally would and follow the prompts.
  3. When the ATM says the transaction is complete, remember to take your card.

For more information regarding EMV, contact your NuSource representative!

emv terminal

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