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Chip Cards

Introducing Chip Cards

Enhanced Security for your Debit and Credit Cards

Texas Bay offers both credit and debit cards with chip technology.  The embedded computer chip provides more security and wider international acceptance.

A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale.  Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

These cards are already in wide use around the world and are now becoming the standard in the U.S.

You will receive your new credit or debit chip card in the mail before it expires.

How to use Chip Cards

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

  • Insert your card, face up and chip end into the chip-enabled terminal.
  • Leave the card in the terminal during the entire transaction
  • Follow the instructions on the screen and either sign your name or enter your PIN as needed.
  • Select “Debit” on the terminal and then enter your PIN for debit chip card transactions.  This is a new security feature.  You can still use the debit chip card on terminals that do not accept a PIN and for online purchases.
  • Remove your card and take your receipt when the transaction is complete.

At an ATM

The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts 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. A PIN is needed for ATM transactions.

On the Internet or by Phone

Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.

If the Merchant is Not Using a Chip-Enabled Terminal

Your payment will process as it normally does from your initial ‘swipe’. Chip cards will continue to have the magnetic stripe on the back.

Informative Video

Learn about chip card technology in this short video

Cardholder Guide

Chip Cards are easy to use…learn more from this Free Cardholder Guide

When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again.

Cardholder Guide