Armed Forces Bank 320 Kansas Avenue Fort Leavenworth , KS 66027
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EMV Chip Technology FAQ
What is a chip card?
A chip card is a standard-size plastic credit or debit card that contains an embedded microchip in addition to the traditional magnetic stripe. When used at a chip-enabled terminal, the chip encrypts information that increases data security.
What is an EMV or smart card?
Smart cards, EMV cards, and chip cards are all different ways of referring to the same type of card. Similarly, a chip-enabled terminal and EMV terminal are one and the same.
Are chip cards secure and safe to use?
Yes, chip technology is already the security standard in many countries and has existed for over two decades. When you use the chip feature at a chip-enabled terminal, the transaction will be more secure due to a unique process used to verify that the card is authentic, which makes the card more difficult to copy or counterfeit.
Although magnetic stripe cards are still considered secure, chip technology is considered the next step to providing enhanced security for our clients. Whether you use the chip or the magnetic stripe to make your purchase, you can have confidence in the security and protection features we provide for all debit and credit card accounts.
If you notice any suspicious activity on your account, remember to notify us immediately by calling the number on the back of your card.
Do chip cards prevent third-party data breaches?
While chip card technology provides an additional layer of security that helps reduce certain types of fraud resulting from data breaches, it will not actually prevent a data breach.
Do chip cards prevent all fraud from happening?
No, just as the industry continues to create new ways that protect consumers, perpetrators will continue to seek out new ways to commit fraud. On top of the fraud prevention monitoring we currently provide, chip cards do provide an additional layer of security when used at chip-enabled terminals. As always, your purchases will also be covered by Visa's Zero Liability policy (restrictions apply).
Do chip cards allow others to track my location?
No, the chip on your card is limited to supporting authentication of card data when you make a purchase. Chip card technology isn’t a locator system.