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Chip Technology

What is EMV?

EMV, which stands for Europay, MasterCard and Visa, is a global standard for credit and debit cards based on chip card technology.

What is chip technology?

The chip in your card produces a unique code during each transaction, making it more secure and harder to duplicate.

How is it more secure?

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.

Can my card still be compromised with a chip?

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.

When will I receive my Chip Card?

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.

Will my card number change?

Your card number may change. If your card number will change, we will notify you prior to issuing you a new Chip Card.

Will my expiration date and security code change?

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.

How do I use my Chip Card?

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.

Will I still be able to swipe my Chip 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.

Will this new chip change how I use my card at an ATM?

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.

Are there any changes with phone and online transactions?

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.

If I don’t have a Chip Card, am I still protected?

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.