Smart Chip Cards

Simple. Secure. Smart Way to Pay.


The First Financial Bank Visa® debit card comes with EMV chip technology. This gives you greater fraud protection when you use your card at chip-activated terminal. Your new card is not only more secure - it's also easy to use. Here's what you can look forward to as a cardholder.

Smart Card Frequently Asked Questions

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Enhanced Fraud Protection


When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. The unique data cannot be used a second time and is virtually impossible to conterfeit.

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Global Acceptance


More merchants are accepting chip transactions every day. Whenever you check out using chip technology or swipe your card, you can pay with confidence wherever Visa® is accepted.

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Easy to Use


Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and
follow the prompts.

Keep in mind, you can continue to use your chip card online and over the phone... the same way you do today. Plus get cash, check your balance and more at millions of ATMs worldwide.

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How do I use my card at a chip-activated terminal?


  1. Insert the chip end of your card into the terminal with the chip facing up.
  2. Keep your card in the terminal and follow the prompts.
  3. Remove your card when prompted and take your receipt.
  4. If a merchant is not yet chip-activated, you can still swipe your card to pay.
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Need help?


Customer Experience Team
(800) 511-0045

Monday through Friday
8:00 a.m. to 7:00 p.m. ET

Saturday
9:00 a.m. to 2:00 p.m. ET

Online Banking Questions
FirstOnline@first-online.com

Customer Service Questions
CustomerContact@first-online.com

Send a secure message inside First Online Banking
Log in > Go to Secure Forms in top navigation > Secure Email

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