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Now Issuing EMV Chip Cards

At Wheatland Bank, we strive to provide our customers with state-of-the-art technology and products that will help to protect their financial well-being.  With those goals in mind, we are excited to share that we will be issuing enhanced-security EMV chip cards to all Wheatland Bank Visa credit cardholders during the month of June 2016.  Customers do not need to request a new card and there is no cost to the customer for the new enhanced-security EMV chip card. New EMV chip cards will automatically be sent to all existing Wheatland Bank credit card customers in the mail. Once customers receive their new card, they will want to activate it immediately and then destroy their old card.  Old cards will be deactivated upon the activation of the new card or automatically after 30 days of receipt.

Wheatland Bank EMV Chip Credit Card Plastic 

EMV chip cards are high-tech cards that are accepted in the U.S. and around the world.  EMV chip cards contain an embedded computer chip that adds a new layer of protection against fraud for purchases made at the point of sale and when used at ATMs. Information programmed into the chip is personalized for your account and each transaction at a chip-enabled terminal generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

 

Follow these steps to use your card at a chip-enabled terminal:

Start the payment process by ‘swiping’ your card, just as you do today. If the terminal is chip-enabled, you will be instructed to insert your card.

  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

 

Frequently Asked Questions

 

What are chip cards?

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

These cards, already is 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. The EMV technology has been adopted by the other major card brands and issuers.

 

Is a chip card 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.

 

How do I use them?

Begin the payment process by ‘swiping’ your card, just as you do today. If the payment terminal is chip-enabled, you will be asked to insert your card.

  1. Insert the card, face up and chip end first, into the terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.


For merchants without chip-enabled terminals, your payment will process as it normally does from your initial swipe.

 

Can I use my chip card anywhere?

Yes. Your chip card can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.

 

When will I get my chip card?

We will be replacing all existing Wheatland Bank credit cards by June 30, 2016. Once your new card arrives in the mail be sure to activate it immediately for use as your old card will be deactivated 30 days after receipt of your new card.  Your old card should be destroyed.  Wheatland Bank anticipates issuing new EMV chip cards to all of our debit card customers in late 2016.  Please watch for future updates.

 

Can I still use my current card?

You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it. 

 

Do I need to sign the back of the card?

Yes. You still need to sign the back of your card.

 

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.

 

What is the difference between chip and signature and chip and PIN?

You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks.

 

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.

 

Does a chip card contain more information about me that could be stolen?

No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.

 

Can someone steal the information in my chip card remotely using radio waves or a “contactless reader?”

No, your chip card must be inserted into a POS terminal or ATM in order to read the chip.

 

 

Contact us for more information

Call us at 509.242.5626 or stop in to your local branch if you have additional questions about chip cards, or if you are interested in opening an account.