Skip to main content
Privacy & Security
EMV Chip Card Technology Information from Bank of America EMV chip card technology on Bank of America debit and credit cards provide greater security. Learn more about EMV chip technology. Bank of America
EMV Chip Card Technology Information from Bank of America EMV chip card technology on Bank of America debit and credit cards provide greater security. Learn more about EMV chip technology. https://www.bankofamerica.com/content/images/ContextualSiteGraphics/Logos/en_US/Bank_of_America_Flagscape_71x71.gif Bank of America credit & debit chip cards are an easy and secure way to buy the things you need and enjoy for your everyday life. Chip cards are accepted at millions of locations internationally, and are coming to more stores throughout the U.S. Use your card to buy just about anything for you, your family or your small business. Say you want to buy a gift for that special someone... It's simple. Just insert your chip card... ...leave it in the terminal while your transaction processes, approve the purchase the way you normally would and remove the card when prompted. In addition to the fraud protection already on your card, the chip provides additional security when used at a chip-enabled terminal, making information on the chip harder to counterfeit. If the merchant doesn't accept chip cards yet, you can still swipe your card...And of course you can use your card to shop online as usual. So whether you're shopping for family or your small business, it's easy and secure to use Bank of America credit and debit chip cards. They're just one more way Bank of America is looking out for you and the security of your card. https://secure.brightcove.com/services/viewer/federated_f9?&width=560&height=315&flashID=myExperience922656010001&bgcolor=%23000&allowScriptAccess=always&allowFullScreen=true&wmode=transparent&isVid=false&isUI=false&dynamicStreaming=true&%40videoPlayer=3876393865001&secureConnections=true&secureHTMLConnections=true&playerID=3298057068001&playerKey=AQ~~%2CAAABemsxj4E~%2CFw8GJURGMrUhvY4ew7b2xfE_BwrPd4Vp&templateLoadHandler=EmbedVideoPlayerUtil.BrightCovePlayer.onTemplateLoad&templateReadyHandler=EmbedVideoPlayerUtil.BrightCovePlayer.onTemplateReady&autoStart=&debuggerID=&startTime=1398200982155 315 560 T1M1S

Chip Card Technology

We're making your cards more secure

Chip card technology—enhanced protection for your credit and debit cards when used at chip-enabled terminals

How do chip cards work?

Using a chip card is fast and easy. Watch this short video to see how.

Easy to use

Use your personal or small business chip card to make transactions at the same places you do today. For merchants who have chip-enabled terminals, insert your card and approve your purchase. Otherwise – swipe your card as you normally would.

For use at ATMs, simply insert your card and follow the on-screen instructions. Remember to take your card when prompted.

Added layer of security

The new chip on your card provides additional security when used at terminals and ATMs that are chip-enabled—the data stored on the chip is more difficult to counterfeit or copy.

No matter how you use your card, your purchases are also covered by zero liability protection: Bank of America credits your account back for fraudulent transactions.Footnote1

Accepted everywhere

More terminals and ATMs are becoming chip-enabled throughout the U.S. You'll also enjoy greater acceptance when traveling: Chip technology is common in over 130 countries around the world, including Canada, Mexico and the United Kingdom.

No extra cost

Enjoy your new card with chip technology at no additional cost.

Want to learn more?
Visit our chip card FAQs

Using a chip-enabled terminal

 chip-enabled-terminal-icon

Step 1

Insert and leave your card in the terminal.

Step 2

Approve the transaction as you normally do.

Step 3

Remove your card once the transaction is complete.

Using a chip-enabled ATM

chip-enabled-atm-icon

Step 1

Insert your card to begin your transaction.

Step 2

Follow the on-screen instructions. Chip-enabled ATMs will hold your card during the transaction.

Step 3

Take your card when prompted.