EMV Chip VISA Debit Cards
What's an EMV Chip Visa Debit Card?
We all use our debit and credit cards for shopping, eating out and buying groceries. Now you have the added security benefits of an EMV Chip Visa Debit Card. The new cards are nearly impossible to counterfeit, and travel will be even easier in more than 130 countries where chip cards are already used. EMV Chip Visa Debit Cards do everything magnetic stripe cards do, but even more securely.
How is the EMV Chip Visa Debit Card more secure?
The embedded microchip provides unique data specific to your card and the transaction being processed. These security features make your new chip card extremely difficult to counterfeit. In addition, when an EMV Chip Visa Debit Card is used in a chip terminal, the payment information is "tokenized", meaning that instead of your actual card information, what is sent is a randomly generated string of numbers that is only valid for that one transaction. Therefore, if a merchant is breached, any stored payment information is useless.
How do you use it?
- Insert your EMV Chip Visa Debit Card into the ATM or point of sale terminal, following the instructions on the terminal. You may be asked to choose between debit or credit. You may choose either option. It is important to leave the card in the terminal until your transaction is complete. If you remove your card too soon, the transaction will end and your purchase will not be processed.
- The ATM will require that you enter your PIN, as you do today. The point of sale terminal may require you to input your PIN or sign your sales receipt to complete your purchase.
- For sales transactions, the terminal will display your purchase amount.
- When your transaction is complete, it is important to remember to remove your card.
Can you use your card for everyday transactions or at non-chip terminals?
Yes - your EMV Chip Visa Debit Card will also have the usual magnetic stripes on the back so you can continue using your card at ATMs and point of sale terminals with merchants who have not yet converted to new terminals.
If you open an account at the Staunton, Bethalto, Maryville, Mt. Olive or Hamel location, you will walk out with your EMV Chip VISA Debit Card that day.
To activate your new EMV Chip VISA Debit Card, call our automated system at 1-800-214-4185 or call First National Bank at 618-635-2234.
For a list of current VISA Debit Card blocked states and countries, please click here.
Report a lost or stolen debit card
To report a lost or stolen debit card during regular banking hours, please call 618-635-2234.
To report a lost or stolen debit card after business hours, please call 844-202-5333.
VISA Checkout - Pay online the easier way with VISA Checkout and your FNB VISA debit card.
- Pay with a single login from any device. No more entering the card number, expiration, or CVV number to complete the transaction. It's already saved for you!
- Guard your data behind multiple layers of security.
- Best of all, this new service is free!
FNB is a proud member of AlphaLink Alliance. This means you have access to thousands of surcharge-free ATMs. Simply visit their website to find one near you!
Debit card protection during data breaches
As you may be aware, there have been a number of breaches of debit card data at several national retail stores. While First National Bank has no control over these debit card breaches, we want to assure you that when there is a breach we will work with our debit and credit card processors to identify all customers that were impacted. These customers will then be contacted and new debit cards will be issued.
There is no way to tell when or where the next breach will occur, but we have some early detection tips for you. If you haven’t already done so, sign up for our Online Banking. At the top of our website you will see the Online Banking boxes in the upper right hand corner. Underneath those boxes, click on the word, “Enroll” and follow the instructions. Once you have access to Online Banking, make it a habit to check your bank account daily for any suspicious charges. If you feel your account has been compromised, call 618-635-2234 immediately and ask for Carol or Karen.
You may also set up email/text alerts with the “Notify Me Alerts” feature located in the main menu of our Online Banking. For example, if your balance dips below a certain amount, you will receive an email/text. You can even receive an alert if a transaction over a certain amount clears (you can set the amount for whatever you like). If you need help setting up these alerts, we will be more than happy to assist you. Call Robin or Casey at 618-635-2234.
Also, if you plan on going on vacation, you can call Carol or Karen at 618-635-2234 to notify us.
If you have more questions about compromised debit cards, please visit our FAQ.