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Chip Cards at The Bank of Missouri

Chip Cards at The Bank of Missouri

Chip cards, also known as EMV cards, contain an embedded microchip for a more secure transaction. Each time you use a chip card at a chip-enabled reader, the transaction is unique, making it extremely difficult for the card to be copied or counterfeited. Chip cards also retain the magnetic stripe for use at card readers that are not chip-enabled.

Using your card at a chip-enabled reader

Insert Chip Card in Reader Follow Prompts on Card Reader Remove Card from Reader

1. Insert your card into
a chip-friendly reader

2. Follow the prompts 3. Remove your chip card
when prompted

Frequently Asked Questions

How do I use a chip card?

If the merchant has a chip-enabled terminal, insert your card into the terminal. It will remain there while the transaction is processed. Prompts on the terminal screen will provide instructions to complete the transaction. You may be prompted to sign or enter your PIN (personal identification number). Some transactions will not require either. If asked to provide a PIN, the PIN on your chip-enabled card is the same as on your previous card. Remove the card from the terminal at the end of the transaction. During this transitional period, you may find that some merchants have chip-enabled readers, but do not have the chip reader fully installed. You may find it helpful to ask first if the chip reader is working on the terminal.

If the merchant is not chip-enabled, you will simply swipe the chip card to proceed with a magnetic stripe transaction.

There are no changes to the way you make purchases over the phone or online.

How is a chip card different from a magnetic stripe card?

A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction.

Where can chip cards be used?

Many merchants, across the United States, are beginning to accept chip card transactions. Chip cards have been used around the world for several years. Customers will enjoy greater acceptance and security when traveling internationally.

Will a chip debit card work at ATMs?

Yes, the ATM will prompt you through the transaction. Your chip-enabled card will work at both traditional ATMs and chip-enabled ATMs.

What are the benefits of chip cards?

The embedded microchip provides security features not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit. Every transaction with a chip has unique data in it. If someone were to intercept one of your chip transactions, they would not be able to use that information again.

I'm a small business owner. What does this mean for me?

The shift in liability occurred October, 2015. Since October 2015, if a card is used in a card-present environment and fraud occurs, whichever party is not EMV ready will suffer the loss. In other words, if a bank has not EMV-enabled its cards, it would continue to be responsible for fraud costs. If, however, the bank has “chipped” the card and the merchant has not EMV-enabled its terminals, the merchant is liable for the fraud. If both the bank and merchant are EMV-enabled, the bank will still be liable.

You will need to contact your payment services provider to find out how to get chip-enabled terminals. It is important to communicate with your customers and staff before, during and after implementation. Learn more at