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About Chip Cards
Ordering and Activation
Using Chip Cards
What is a chip card?

A chip card is a standard-size plastic debit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.

What is a smart card or an EMV card?

You may hear chip cards referred to as "smart cards" or EMV cards — they're all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.

Where can I use my chip card?

Chip technology is used in 130 countries and the U.S. is in the process of implementing chip cards. Therefore, you will not have issues using your card in most countries. In addition, your chip card will still work at terminals where only magnetic stripe transactions are accepted.

Are chip cards secure?

Yes. Chip technology has been around for over two decades and is the security standard in many countries around the world. When purchases are made using the chip feature, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.

While magnetic cards are still considered secure, chip technology is the next step to providing enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase, you can have confidence in the protection and security features we provide all our debit card accounts.

Will chip cards prevent all fraud from happening?

No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide.

Will chip cards prevent third-party breaches?

Chip card technology provides an additional layer of security to help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

When I make purchases in the local economy, what will my exchange rate be?

Transactions made in foreign currencies will be charged to your checking account in U.S. dollars and will appear on your monthly statement. The conversion rate on the processing date may differ from the rate on the date of your transaction. The currency conversion exchange rate is (1) a rate selected by Visa® from the range of rates available in wholesale currency markets for the applicable central processing date, this rate may vary from the rate Visa® itself receives, or (2) the government-mandated rate in effect for the applicable central processing date; plus, in each instance, an International Transaction Fee determined by us and reported on your statement as a single charge for each converted transaction. For any Community Bank ATMs, the conversion rate is set by us, and there is no adjustment factor.

When will my ATM/Debit card expire?

ATM Cards are non–expiring and will not have an embossed expiration date. Debit Cards will have an expiration date that is approximately three years from the time of issue. It will be embossed on the card. The embedded chip has the same validity period as the date that is embossed on the card.

How does a chip debit card work?

It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts as you do today.

If the retailer is not equipped to read the chip card, just swipe as you do today.

Will my chip enhanced ATM/Debit Card work at all merchants?

ATM Cards are primarily for use at ATMs, but also work at merchant terminals that accept AFFN and support online PIN (Personal Identification Number). Debit Cards work at both ATMs and merchant terminals. Your Debit Card will work, using either the chip or magnetic stripe, at merchant terminals that accept VISA and support online transactions. (However, you may encounter denials at a limited number of offline, unattended self-service EMV terminals or kiosks.)

Will my ATM/Debit Card work at all ATMs?

Your ATM/Debit Card will be accepted at EMV– and non–EMV compliant ATM's that read either the magnetic stripe or the chip and authenticate the transaction with an online PIN. If the ATM has an EMV chip reader, it will read the chip. Your transactions at Community Bank ATMs will continue to use PIN authentication and function in the same manner as they currently do.

When I use my Debit Card for purchases, how does the merchant process the transaction?

If the merchant is using an EMV–compliant terminal, your Debit Card will be inserted into the Smart Chip Reader. After the transaction is approved, you will be asked to sign the charge slip to complete the purchase.

Can I use my Debit Card to make purchases online or over the phone?

Yes. If the merchant accepts Visa Debit Cards, you can use your Debit Card.

Are there transaction fees for using my Debit Card?

There are no transaction fees for using your Community Bank Debit Card to make purchases in U.S. Dollars. However, when making foreign currency purchases, an International Transaction Fee will be assessed. Fees may also apply when you use your card at a non–Community Bank ATM. Some merchants may charge a fee, as well.

What are my daily Debit Card limits?

When you use your Debit Card at ATMs and to make purchases, we may apply two daily limits to the amount you are authorized to withdraw from your deposit accounts during each day — a cash limit and a purchase limit. The purchase limit on your debit card is $1500, and the cash limit is $509.

For security purposes, we may place other restrictions on the purchase limit from time to time. In addition, we may temporarily establish higher or lower limits upon your request. Debit Card limits are reset daily based on a calendar day. For more information see the Card Disclosure.

Can I pay bills with my Debit Card?

Yes. You may use your Debit Card to pay bills with any merchant or service provider that accepts Visa. Since you have direct relationships with your service providers and merchants, you must contact them directly to pay a bill with your Visa Debit Card.

What information will I need to provide to set up automatic payments using my Debit Card?

Typically, merchants or service providers require the following information:

  • Visa Debit Card Number
  • Expiration Date
  • Date you want to be charged
  • Amount you authorize to be charged
  • Your signature

Note: If for any reason you receive a new card number or the expiration date changes, you must notify the merchant to ensure your automatic payments are not affected. The merchant will need the new card number and expiration date. They may also request the three–digit code on the back of your card.

What is an authorization?

When you use your debit card to make a purchase, the merchant will request an authorization, in other words, an approval for the transactions. An authorization confirms that your account is open and active and that there are enough funds available to cover the purchase amount at the time of the request. The purchase amount sent by the merchant for authorizations varies by merchant type. Many merchants request an authorization for the exact purchase amount, but some merchants may send an authorization request for a nominal amount such as $1 or an estimate that is more or less than the actual purchase amount. The authorization hold amount reduces your available balance and will remain on the account for up to 3 business days when your debit card is swiped or inserted in person, or up to 5 business days when used for an internet, phone or mail order transaction. When the transaction is presented to the bank, the actual purchase amount is deducted from your account.

When you do not have enough available funds in your account to cover everyday non–recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non–recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart.

What would cause a pending transaction or authorization amount to be different from my final or actual purchase amount?

A pending transaction or an authorization amount may vary from the final or actual purchase amount in situations where there is an estimated authorization amount or a tip is involved.

Here are a few examples that show how a pending transaction or authorization amount might be different from the final amount:

  • At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include a tip you add. Some restaurants may add an estimated tip to the transaction total when requesting an authorization. Because of this practice, your final purchase amount may vary from the authorized amount.
  • At the gas pump, the station requests an initial authorization prior to dispensing fuel and determining the final amount of the purchase. Many pat-at-the-pump gas purchases are initially authorized for $1 no matter what the final purchase amount is.
  • At a hotel, they are allowed to request an authorization for an amount based on the length of your stay and applicable taxes. An estimated amount for incidentals may also be made. Cruise lines and car rental companies may also follow this practice.
When will the final purchase amount replace the pending amount and be posted to my checking account?

It may take several business days for the final purchase amount to replace the pending transaction amount on your account. The pending transaction reduces your available balance. When the transaction is presented to the bank, the final or actual purchase amount is deducted from your account, usually within 3 to 5 business days.

Do I need to notify the bank if I plan to use my card while I'm traveling or on deployment?

We recommend that you set a travel notice on any card you plan to use while traveling, so your card access is not interrupted. To set a travel notice, contact your local Banking Center. For your protection, we will continue to monitor card activity even when a travel notice is set.

How can I order a Debit Card?

You can request a Debit Card by contacting your local Community Bank or by calling 1–800–239–9427, Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.

How can I add additional accounts to my card?

To add additional accounts, please contact your local Community Bank or call us at 1–800–239–9427, Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.

What type of accounts and how many accounts can I add to my Debit Card?

You must have a primary dollar checking account attached to your Debit Card. You can also have additional checking accounts, savings accounts, and sterling accounts attached. Debit Cards do not support Savings-only or Sterling-only accounts. Your Debit Card can support up to 27 accounts.

How can I activate my debit card?

There are 3 ways to activate your new debit card:

  • Use it with your current PIN at an ATM. (Non–Community Bank ATM fees may apply. Please refer to your Personal Schedule of Fees for complete details.)
  • Use it with your current PIN to make a purchase at a POS terminal.
  • Contact your local Community Bank Banking Center or call Customer Service at 1–800–239–9427, Monday through Friday 0800 to 1900 U.S. Central Time, except on U.S. bank holidays.
What information is on a chip card?

The microprocessor chip embedded in the card stores the information required to authenticate, authorize, and process transactions. This is the same type of information already stored on the magnetic stripe. No personal information about your account is stored on the chip card.

What should I do if my Debit Card or ATM card is lost, stolen, or if I notice unauthorized transactions?

Please call us immediately at 1–800–239–9427 or (210) 270-5723 and select Option 6 from the Main Menu and Option 1 from the Submenu. Your call will be transferred to our Lost and Stolen Department.

How do I change my PIN?

You may change your PIN, as often as you choose, at any Community Bank ATM. The PIN change will be effective immediately.

How can I stay secure when I use my Debit Card online?

Verified by VISA is a service that provides you with extra security by reducing the chance of fraud for online purchases and other transactions. It offers zero–liability protection against unauthorized use of your card. Just notify us promptly at 1–800–239–9427, if your card is lost or stolen.

Verified by Visa is a free service. As a registered cardholder, you can take advantage of special offers and discounts at participating online stores.

For information, go to the VISA website. You may also have the opportunity to enroll in the Verified by VISA program when shopping online with participating merchants. You can choose to opt–out of enrollment four times during a shopping session. After you have exceeded the four opt-outs, you will be required to enroll during the next online purchase. During the enrollment process, you will be asked for your card PIN.

When I use my Debit Card to make purchases, do merchants have access to my account information?

No. Merchants only see whether or not the transaction is approved, never any specific account information.

Can Community Bank cancel or block my card?

Community Bank may decide not to issue or renew a card and we may cancel or suspend your card privileges with our without cause or notice, other than as may be required by applicable law.

Can Community Bank reissue my card without prior notice or request from me?

Community Bank may reissue new card numbers upon notification of possible compromised accounts. Customers will be notified as soon when this is required. Remember, these actions are taken to reduce card fraud and are done for your protection.