Chip Card FAQs

Learn more about chip card technology


What are Chip Cards?

A chip card - also called a smart card or an EMV card - is a debit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting.

Are chip cards more secure than my current card?

Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.

Can I use my card at a non-chip terminal?

Even though chip-enabled terminals are already being used by many merchants, there are still some merchants that have not converted yet. That's why chip cards will continue to have a magnetic stripe on the back. If a merchant's terminal or an ATM is not yet chip-enabled, your transaction can still be processed using the magnetic stripe as it is today.

When will I get my chip card?

We have issued all new debit chip cards throughout April 2017, helping to protect our cardholders with additional security. Clients opening new accounts will receive a chip card at the time of reissuance.

There is no need to request a new card. You'll automatically receive your new chip card in the mail. There is no extra charge for the new chip card.

How do I activate my card?

Prior to using your new Fidelity Bank chip card, you will need to call 800-992-3808 to activate your card. Instructions will be provided with the card. Please note that your card will have a new expiration date. If you use your debit card for automatic payments, you will need to update the expiration date with these merchants.

How do I use them?

When used at merchants with chip-enabled card terminals:
1. Insert the card, face up and chip end first, into the terminal.
2. Leave the card in the terminal during the entire transaction and follow the prompts.
3. Remove your card when the terminal indicates that the transaction is complete.

For merchants without chip-enabled terminals, you will 'swipe' your card through the terminal, just as you do today.

Can I use my chip card anywhere?

Yes. Your chip card can be used virtually anywhere MasterCard is accepted in the U.S. and around the world.

Can I use it to make purchases online or by phone?

Yes. You can use your chip card to make these purchases as you do today.

Can I use my card at an ATM?

Yes. For ATM transactions, insert your card into terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money you might have withdrawn.

How am I protected?

All debit and credit cards that we issue come with 'zero liability protection,' so you are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.

What information is on the chip?

The chip contains information about your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

What if my card is lost or stolen?

It's important to report a lost or stolen card immediately. Keep a record of the telephone number on the back of your card and call it if necessary.

Will chip cards prevent data breaches?

While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.