EMV Chip Cards

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Get big protection in a tiny chip.

EMV chip cards feature an embedded chip that improves security when you insert your card at a chip-enabled terminal.

Chip cards are simple to use. Here's how it works.

Insert your chip card to pay at a chip-enabled terminal. If a chip-enabled terminal is not available, simply swipe your card as you do today.

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FAQs

Answers to frequently asked questions about EMV chip cards.

I do not have a new chip card yet. When will I receive one?

When your existing card expires, it will be replaced with a new chip-enabled card.
How does chip technology protect my information?

Every time you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
Am I still protected against unauthorized charges?

Yes. If your card is ever lost, stolen or fraudulently used, you're protected by Visa's Zero Liability Policy¹.
Where can I use my chip card?

You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.
Can I still swipe my card to pay?

Yes. If a merchant is not yet chip-enabled, simply swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.
Does my chip card work at the ATM?

Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

¹Visa's Zero Liability Policy covers U.S. issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.