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.
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.
Visit our chip card FAQs
Using a chip-enabled terminal
Insert and leave your card in the terminal.
Approve the transaction as you normally do.
Remove your card once the transaction is complete.
Using a chip-enabled ATM
Insert your card to begin your transaction.
Follow the on-screen instructions. Chip-enabled ATMs will hold your card during the transaction.
Take your card when prompted.