EMV Debit Cards


This Fall, Heritage Bank will be issuing new debit cards that contain an EMV (Europay, MasterCard and Visa) chip. EMV chip technology is becoming the global standard for credit and debit card payments. The new cards encrypt bank information making it far more secure than the old magstripe cards, which will help reduce debit card fraud. Each time you use your chip card, the chip generates a code that is unique to that transaction. This makes it harder to counterfeit your card or use it fraudulently for in-store purchases.

Just like the old cards, when your new EMV card arrives you will have to call the telephone number on the card to activate it. Your PIN is not changing. If you are a new cardholder your PIN was issued at the time you placed your debit card order. If you have an existing debit card you will need to active the new card and destroy the old card as it will no longer work once the new one is activated. The new card will have a different expiration date so any automatic payments will need to be updated with the merchant.

EMV cards can be used anywhere your old debit card could be used. If the merchant has EMV enabled terminals simply:
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, you will “swipe” your card through the terminal, just as you do today. The EMV cards will work in person, at ATM’s, Online, and by telephone just as they do today.

Even with the new layer of security, you should never give out your card information to anyone or use your card on websites you do not trust. If you have any questions please feel free to contact us about the new debit cards.

Apply Online for a Heritage Bank Debit Card today! It’s quick, secure and easy!


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