What is EMV?

EMV FAQ

Q: What is a chip-enhanced card?

A: Your new chip-enhanced card contains an embedded microchip. This chip holds information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. Rather than swiping your card, you will insert your chip card into a chip-enabled terminal to complete a transaction. In addition to the embedded microchip, your new card has a magnetic stripe on the back and you will be able to make purchases by swiping your card at merchants who have not yet switched to chip-enabled terminals.

Q: Why was my card replaced with a chip-enhanced card?

A: Replacing your card with a new chip-enhanced card is one way we can help simplify your purchase experience as technology continues to change.

Q: What are the security benefits of my new chip-enhanced card?

A: Your new card comes with advanced security due to the chip technology that makes it difficult for a fraudster to counterfeit your card. 

Q: Where can I use my new card?

A: Use your chip card at the exact same merchants you do now, by inserting the card into terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled terminals. You can also continue to use your card as you did before for online and telephone payments. 

Q: Are chip cards new?

A: Although chip cards are relatively new in the U.S, they have been used in other countries for many years. In some countries, particularly in Europe, chip cards are standard.  

Q: What should I do with my existing card?

A: Once you have activated your new card, please destroy your existing card.