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EMV Card

Your Chip Card is Here

That means more protection for you.

Here at Community Bank of the Chesapeake we take your financial wellness seriously, right down to offering you the most secure products available for your peace of mind.

Therefore, we have issued EMV chip cards to all of our cardholders to further enhance the security of your banking transactions. These high-tech cards are accepted in the U.S. and around the world.

These cards contain an embedded computer chip that adds a new layer of protection against fraud for purchases made at the point of sale and when used at ATMs. Information programmed into the chip is personalized for your account and each transaction at a chip-enabled terminal generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

While some merchants have already installed chip-enabled terminals, the entire conversion process is expected to take a few years to complete. In the meantime, your chip card will continue to have a magnetic stripe on the back. That way, if a merchant’s terminal or an ATM is not yet chip-enabled your transaction can still be processed by swiping the magnetic stripe the same way you do today.

If you have any questions, please contact your local branch or call us toll free at 888-745-2265.
For everyday purchases where chip-enabled terminals have not yet been installed, continue to use your card as you do today.

Easy Steps

Frequently Asked Questions

Click on each question to read the answer.

What are chip cards?

A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already is use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.

Is a chip card more secure than my current card?

Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.

Can I use my chip card anywhere?

Yes. Your chip card can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.

Can I still use my current card?

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.

Do I need to sign the back of the card?

Yes. You still need to sign the back of your card.

Can I use it to make purchases online or by phone?

Yes. You can use your chip card to make these purchases as you do today.

Can I use my card at an ATM?

Yes. For ATM transactions, insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money you might have withdrawn.

What is the difference between chip and signature and chip and PIN?

You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks.

What if my card is lost or stolen?

It's important to report a lost or stolen card immediately. To report a lost or stolen card, please call 844‑596‑1823 or 888‑745‑2265.

Can I use my chip card with Apple PayTM?

Yes. You can use your chip card to make payments with Apple Pay at participating merchants.

Will chip cards prevent data breaches?

While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it difficult to produce counterfeit cards from that stolen data.

Contact us for more information

If you have any questions, please contact your local branch or call us toll free at 888-745-2265.

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