Chip Cards are here in the U.S.!

Chip cards are based on a global card payment standard called EMV, currently used in more than 80 countries. There are more than 3.4 billion chip cards issued across the globe. Learn more about EMV.

Chip card transactions offer you advanced security in-store and at the ATM by making every transaction unique. And, your chip card is more difficult to counterfeit or copy. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

If you have a chip card, the chip is located on the front of the card. You will still have a magnetic stripe on the back so that you can use it at merchants who don’t accept chip cards yet.

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card. These basic steps will help ensure successful transactions:

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

Always remember when you use your chip card to follow the prompts on the terminal and leave your card inserted until prompted to remove it.

Depending on the type of ATM, your experience may differ slightly.

If your card stays visible, use these basic steps for a successful ATM transaction:

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.

If the ATM is not yet chip-enabled, follow the prompts and complete the transaction as you do today. You will not have to reinsert your card.

If your card is not visible, the ATM will automatically detect and use the chip. 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.

Yes, merchants and ATMs will continue to accept magnetic stripe card payments.

Yes. Your card will have a chip and a magnetic stripe to accommodate any situation.

Many financial institutions are issuing chip cards today or are planning to soon.

Chip-enabled terminals have all of the features you are used to with a payment terminal, with the addition of a slot to insert your card. The slot is typically located at the bottom or the top of the payment terminal.

Chip-enabled ATMs have all of the features you are used to. You likely won’t notice any physical difference between a magnetic stripe ATM and a chip-enabled ATM. The prompts on the ATM will let you know if you need to insert and leave your card for a chip transaction.

Insert your chip card in the same place you normally would. The prompts on the ATM will let you know if you need to insert and leave your card for a chip transaction.

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

Cards will still have a magnetic stripe on the back, so even if a terminal is not yet chip-enabled, you can use your card as you do today.

Anywhere. Your card will have a chip and a magnetic stripe to accommodate any situation. During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

Every day, more merchants are becoming chip-enabled to increase security for in store card transactions, so you will start to see these terminals at many of the places you shop today. You will continue to be able to pay at both chip-enabled and non-chip-enabled merchants with the same card.

No. You will use your chip card for online purchases by following the same process you do today.

Yes. Chip cards are widely used in international markets and are accepted in more than 80 countries. Having a chip card will make it easier for you to make purchases when you travel internationally.