EMV, which stands for Europay, MasterCard and Visa, is a global standard for credit and debit cards based on chip card technology.
The chip in your card produces a unique code during each transaction, making it more secure and harder to duplicate.
Chip Cards are more secure, acceptable in other countries and easy to use.
When making transactions at chip-enabled terminals, the chip encrypts information to increase data security. Each transaction is more secure because the chip is unique to each card, making it more difficult to counterfeit.
Your personal information is not stored in the chip. It only contains information to process your transaction at a retail terminal or ATM.
If your card is lost or stolen, please contact us immediately at (800) 277-2175.
Yes, your card can still be compromised. The chip card is most effective when used at a chip-enabled terminal. If a retailer does not have chip-enabled terminals, you will have to swipe your card, which can be less secure.
You will know if you have a Chip Card if there is a metallic rectangle at the top left of your card. This rectangle is the chip.
South State Chip Cards will be issued over a period of time. It is possible that a family member or friend may receive his/her Chip Card before you.
To activate your card, please follow the instructions on your card carrier or call 1-866-985-2273.
Your PIN will not change.
Yes, you will still be able to use your current card. Terminals will continue to allow you to swipe your card and enter your PIN or sign for your purchase.
Your card number may change. If your card number will change, we will notify you prior to issuing you a new Chip Card.
Your expiration date and security code will change with your new Chip Card. If you have recurring payments set up with your debit card, you will need to provide those businesses with your new expiration date and security code.
Visa’s Zero Liability Policy* also ensures that you won’t be held responsible for fraudulent charges made on your Personal Debit Card.
*Disclosure: Visa’s Zero Liability Policy does not apply to Visa corporate or Visa purchasing card or account translations, or any translations that are not processed by Visa. For specific restrictions, limitations and other details , please consult your issuer.
You can use your card at any business or retail location that accepts Visa Cards.
You can use a Chip Card at any merchant that accepts Visa cards. If the merchant has a chip-enabled terminal, simply insert the card into the bottom of the terminal and wait for the transaction to complete. You may be asked to enter your PIN or sign during the transaction. After the transaction is complete, you can remove your card.
Yes, Chip Cards still have a magnetic stripe on the back so that you can swipe your card at terminals that are not chip-enabled.
If you try to swipe a Chip Card at a chip-enabled terminal, the terminal may alert you to insert the card into the terminal to complete the transaction.
Your card will still have a magnetic stripe, so you will able to swipe your card at the terminal.
Using your PIN, you can still access your accounts with your Chip Card at any ATM. Please keep in mind, if you are using a chip-enabled machine, you may be asked to insert your card and keep it in the machine until you have completed your transaction.
You may continue to make purchases online and via phone the same way you do today. However, it is important to be cautious when making purchases via phone or online. Always be sure you are making purchases from a legitimate business. Chip technology does not prevent or deter these types of purchases.
We continuously monitor all debit cards for fraudulent activity. If fraud occurs, your card may be blocked; however, we encourage you to always monitor your account for suspicious activity. If you notice any charges to your account that you have not authorized, please let us know immediately by calling (800) 277-2175.
The ability to get cash back may vary by retailer. If you are not able to receive cash back at one retail location, you may try another one, or you may locate the nearest South State ATM. You can find our ATM locations on the South State App or at SouthStateBank.com/Locations.