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Introducing Chip Card Technology

Provinding increased security and greater global acceptance for your NBT Bank Debit Card.

Chip Card Technology Features

We’re committed to providing our customers with secure and convenient ways to conduct their banking. That’s why we have integrated Chip Technology as a new standard for NBT Bank Debit Cards. Your debit card features a small, built-in microchip that contains the same information that’s stored in the magnetic stripe on the back of your card.

Fraud Protection

To protect you from unauthorized use of your card, the chip that is embedded in the card adds an additional layer of protection against fraud for purchases made in person at a merchant. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

Greater Global Acceptance.

Chip Technology also offers you increased global acceptance of your NBT Bank Debit Card, providing you added convenience and security when traveling abroad.

Using Your New Chip Card.

Purchases at a Chip-Enabled terminal.

  • Payment Terminal Image illustrating payment process for in-person paymentsIf you are unsure whether a merchant accepts Chip Cards, swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will ask you to insert your card to continue.
  • Simply insert your NBT Bank Debit Card into the reader with the chip facing up.
  • Leave your card in the reader and follow the prompts on the screen.
  • If a signature is required, simply sign when prompted and always remember to take your card when your transaction is complete.
  • If a merchant has not made the transition to a Chip-Enabled terminal, you can still simply swipe your card and sign to complete your transaction just like you do today.

Online, in-app or phone purchases.

Provide your card information as you have done in the past. Chip Cards will not change the way payments are made online, in-app or by telephone. You may also continue to use Apple Pay®, Samsung Pay® and Android PayTM just as you do today.

At an ATM.

Review procedures for using your chip-enabled NBT Bank Debit Card at an NBT Bank ATM Machine.

 

Popular Questions


A Chip Card, which may also be referred to as an EMV card or smart card, is a debit or credit card that contains an embedded microchip that enhances the security of cards during card-present transactions. These cards use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight the growing problem of card fraud resulting from counterfeiting and lost or stolen cards. Chip Cards are designed to work with chip-enabled terminals using EMV technology. Transactions become more secure because the chip produces a single-use code that validates your transaction when you try to make a purchase. Because Chip Card Technology is a global payment standard, chip cards can be used around the world offering you greater convenience.

Traditional credit and debit cards in the U.S. have used a magnetic stripe on the back of the card. The stripe contains cardholder data that doesn’t change. In the wrong hands, this data can be skimmed or copied and used to make counterfeit cards, which can then be used to commit fraud. Chip Cards contain a computer chip that creates a unique transaction code for each purchase, and the card is customized for each cardholder. This technology protects against card-present fraud. Chip Cards will still have a magnetic stripe on the back because not all businesses are expected to convert their card-reading payment terminals to chip-enabled terminals right away.

  • To Make a Purchase at a Merchant. Simply insert your NBT Bank Debit Card into the front of the card reader with the chip facing up. Leave your card in the reader and follow the prompts on the screen. If a signature is required, simply sign when prompted and always remember to take your card when your transaction is complete. If a merchant has not made the transition to a Chip-Enabled terminal, you can still simply swipe your card and sign to complete your transaction just like you do today.
  • At an ATM. For ATM transactions, you will insert your card into the reader and follow the instructions on the screen. Depending on the type of ATM, they might be prompted to re-insert your card. You will leave the card in the ATM until the transaction is complete and the card is released. Please remember to remove your card from the ATM after completing your transaction.
  • Online and by Phone. You can make online, in-app and by phone purchases with your new Chip Card just as you normally would.

Yes. When both the card and the card reader are EMV-compliant, Chip Cards are more secure than magnetic stripe cards. Chip cards use microchip technology that produces a single-use code that validates your transaction. If data were somehow stolen from a chip card transaction, it could not be used to make another card or purchase because each transaction is unique. Magnetic stripe cards do not use this process and have been targets of criminals who can skim this information and create counterfeit cards for fraudulent use.

No. While many merchants already have made the necessary changes, many others have yet to do so. Your new NBT Bank Debit Card featuring the Chip Card Technology is an acceptable form of payment at all payment terminals wherever Visa is accepted.

Yes. Chip cards will continue to have a magnetic stripe on the back, which will allow you to use your card if a merchant has yet to update its card readers.

Yes. Chip Cards are the standard in much of the rest of the world, including frequently traveled places such as Europe, Canada and Mexico. In the U.S., Chip Cards will continue to have a magnetic stripe on the back so they can be processed by merchants who have yet to convert their card readers to process chip-enabled transactions.

We will be rolling out chip cards to all of our personal and business NBT Bank Debit Card cardholders in phases over the next several months, so there is no need to request one. You will receive your new card in the mail before your current card expires.

You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it.

For most customers, your card number will not change when your new Debit Card is issued. If we have made the decision to issue you a new card number, you will be notified in advance of your receipt of the new card.

Customers whose debit card numbers remain the same with the receipt of their new Chip Card will not have to choose a new PIN. If you do receive a new debit card number, you will need to assign a new PIN.

Yes. Your new NBT Bank Debit Card with Chip Technology is compatible with Mobile Payments, including Apple Pay®, Samsung Pay® and Android Pay.

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