United Bank and Trust

Upgraded Security Is Here!

Our new chip cards take cardholder security to the next level. Learn more about the transition, benefits and what you can expect through these frequently asked questions.

 

Chip Card

We are committed to providing our customers with the highest level of security. With that in mind, over the coming months, we will begin transitioning all of our cards to Chip Cards (also known as EMV cards). Here is some helpful information about the new cards and the transition process.

What is a chip card?

Chip cards (also known as EMV cards) are payment cards that have an embedded chip. Chip cards offer you advanced security when you use the card to pay in store.

What is EMV?

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. (http://www.emv-connection.com/consumers/).

Why are chip card transactions more secure?

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.

When can I expect to receive my new card from United Bank & Trust?

Chip cards will be mailed out to cardholders beginning in January 2017. If you’d like to know when you’re scheduled to receive your new card, look at the expiration date on your current card. The month listed in your current card’s expiration date will be the month your new card will be issued. If you’d like to receive your new card before that month, or if your month has passed and you didn’t receive a new card, call (800) 406-9289 or visit your local branch and we’ll be happy to help.

Will my card number change?

No. Your card number will remain the same. However, your expiration date will change. If you have any recurring or automatic charges connected to your current card, you will need to update your expiration date with the vendor in order to avoid any declined charges.

Where can I use my chip card?

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

How do I use my chip card in stores?

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 the store accepts chip cards, start by inserting your card. These basic steps will help ensure successful transactions:

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

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

What should I expect when using my chip card at ATMs?

Depending on the type of ATM, your experience may differ slightly, but in general it will be familiar. 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 on screen..

Can I still pay in store or use an ATM if I don’t have a chip card?

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

Can I still use my chip card at a non-chip-enabled ATM or merchant terminal?

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

Will anything change during my online purchases?

No. You will use your chip card for online purchases by following the same process you do today. However, if you have any recurring or automatic payments connected to your current card, you will need to update your expiration date with the vendor in order to avoid any declined charges.

 

We are excited to provide another level of security for our account holders through the chip card. If you have any additional questions about the new cards or the transition process, call (800) 406-9289 or visit your local branch and we’d be happy to help. You can also learn more about chip cards by visiting www.gochipcards.com, which is a valuable resource and provides a considerable amount of helpful material.

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