What is EMV?
What is chip technology?
EMV, which stands for Europay, MasterCard and Visa, is a global standard for credit and debit cards based on chip card technology.
What are the benefits of a Chip Card?
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?
Chip Cards are more secure, acceptable in other countries and easy to use.
If my Chip Card is lost or stolen, will my personal information be exposed?
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?
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.
How do I know if I have a Chip Card?
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?
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.
How do I activate 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 PIN change?
To activate your card, please follow the instructions on your card carrier or call 1-866-985-2273.
Will I be able to use my current card until I receive a Chip Card?
Your PIN will not change.
Will my card number 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.
Will my expiration date and security code change?
Your card number may change. If your card number will change, we will notify you prior to issuing you a new Chip Card.
How do I use my 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.
Will I still be able to swipe my Chip Card?
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.
What if a business or retailer doesn’t have a chip-enabled terminal?
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?
Your card will still have a magnetic stripe, so you will able to swipe your card at the terminal.
Are there any changes with phone and online transactions?
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.
If I don’t have a Chip Card, am I still protected?
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.
Can I still get cash back at the grocery or any other store with a Chip Card?
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.