Visa Chip Card FAQ

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Chip technology

What is chip technology?

A chip card enhances card security for electronic payments when inserted in the chip card reader (not swiped) of a chip-enabled terminal. The chip generates a unique transaction code which is shared with the merchant. This makes the card difficult to copy.

Will my chip card prevent all fraudulent activity?

No. Your chip card provides an additional layer of security at chip-enabled terminals; however, perpetrators continue to look for new opportunities to commit fraud. Centier will continue to provide 24 hour fraud monitoring and, as always, your Centier Visa debit, credit comes with Zero Liability Fraud Protection.

Centier Chip Cards

Will I receive a new chip enabled card?

Centier clients will receive a chip card when the current card expires. Please continue to use your current cards with confidence, knowing that they come with 24-hour fraud monitoring and Visa Zero Liability Fraud Protection. If you would like to receive your chip card before your current card expiration date, you can request one today.

Is my account number changing?

No. Your new card will have the same 16-digit card number as your current card. However, your new card will have a new expiration date and 3-digit security code.

What should I do with my old card?

Once you receive your new card, please destroy your existing card for security reasons.

Who should I call if I still have questions?

Please call the number on the back of your card.

Your chip card is easy to use!

Should I swipe my card or insert it into the terminal?

That depends on the merchant. If the merchant has a chip-enabled terminal, you will insert your card into the terminal. Please follow the prompts displayed on the terminal screen to complete your transaction. If the merchant does not have a chip-enabled terminal, you will swipe your card. If you are in doubt, you can ask the merchant or simply swipe your card.

Where can I use my chip card?

You can use your chip card anywhere Visa® cards are accepted – in stores, online, over the phone and at ATMs. Some merchants are already equipped with chip-enabled terminals. If a merchant is not yet chip-enabled, you can continue to swipe your card, as it still contains a magnetic strip.

Can I use my chip card at ATMs?

Yes, however your transaction experience may change depending on the ATM. You may be asked to insert your card a second time into the ATM, or your card may be retained by the machine until the transaction has completed. As ATMs are updated to support chip cards, the transaction experience may change over time. Just follow the instructions on the ATM screen.

How do I use my chip card to complete a transaction?

The transaction process is simple.

  • If the merchant has a chip-enabled terminal, simply insert your chip card in the terminal and sign or enter your PIN to authorize the transaction.
  • If the merchant is not yet equipped with a chip-enabled terminal, just swipe your card and sign your name or enter your PIN as usual.
  • The process for online and phone transactions does not change. Simply provide the card number and other verification information as you do today.

Do I need a chip card for making purchases and ATM withdrawals overseas?

This depends on where you are traveling. Most countries have converted to using chip cards. Rest assured that your Centier chip cards will be accepted internationally wherever you see the Visa logo. Your card provides enhanced acceptance at retailers that prefer chip cards.

Do I need a PIN to make purchases?

You can either use your PIN or signature to make your purchase.

What is Chip & Signature vs. Chip & PIN?

The terms "PIN" or "Signature" refers to how a customer authorizes a chip transaction – either by entering a PIN or by providing a signature. When using your Centier chip-enabled card, you'll be prompted for a signature or PIN to complete the transaction, just as you are today. The chip helps to make the transaction more secure by encrypting information when completing a transaction at a chip-enabled terminal.

Why did the terminal say "canceled" when trying to perform a chip purchase?

From time to time, you may encounter merchants or terminals that aren't fully enabled to accept a chip card. Rest assured that you can use the magnetic stripe on your card to perform your purchase until all merchants and terminals are chip enabled.

What do I select if given the choice of "VISA DEBIT" or "US DEBIT" at a chip enabled ATM?

Either option can be selected. Follow the remaining screen prompts to complete your withdrawal.

How do I use my new chip card overseas?

You use your new card overseas the same way as you do here in the United States. With a Centier Debit Card, after inserting your card in the chip enabled terminal, you will be prompted to either enter your PIN or sign for the purchase. After the transaction is complete, remember to take your card.

If I have set up recurring transactions with merchants/billers, do I need to provide them with my new card information?

Yes. Once you receive your new card, be sure to contact all merchants/billers and provide them with your new card information. For example, if you instructed your wireless provider to automatically charge your card each month for your wireless bill, you will need to contact your wireless provider and update your card information.

What will happen to my online and mobile transaction history?

Your online and mobile transaction history will remain intact.

I have enrolled my account in Visa Checkout and/or a mobile wallet (e.g. Apple Pay), do I need to do anything else when my chip card arrives?

No, there is nothing that you will need to do. Your new card will continue to work with Visa Checkout and your mobile wallet (e.g. Apple Pay) as it did with your old card.

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