Customer hands smart chip debit card to cashier for checkout.

Smart Card Questions and Answers

What is a smart chip card?


A chip card is a standard debit or credit card with an embedded microchip on front and familiar magnetic stripe on back. The chip encrypts information to help increase data security when making transactions at chip-enabled checkout terminals or ATMs.

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How does chip technology protect my information?


When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

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Where can I use a chip card?


You can use your chip card at millions of places that accept Visa Debit Cards, at home and around the world.

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Can I still swipe my card to pay?


Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.

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Does my chip card work at the ATM?


Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

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Will I have to pay any fees to use a chip card?


No. There are no additional fees to use a chip card.

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Need help?


Customer Experience Team
(800) 511-0045

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8:00 a.m. to 7:00 p.m. ET

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

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FirstOnline@first-online.com

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CustomerContact@first-online.com

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