Get Smart Protection From a Tiny Chip

Capaha Arrowhead IconVisa EMV Smart Chip Debit Card

Introducing Capaha Bank EMV Smart Chip Cards…
Enhanced Security for your Debit Card.

Capaha Bank is now offering debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance. A microchip embedded in every card adds a new layer of protection against fraud for purchases made at the point of sale. 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. These cards are already in wide use around the world and are now becoming the standard in the U.S.

We will begin delivering new EMV smart chip debit cards in the latter part of 2016. We expect to deliver new smart chip debit cards to all of our cardholders by late 2017.

 

There is no need to request a new card. Regardless of what year your card expires, you will automatically receive your new chip card in the mail before your current card’s expiration month.

Example; currently, you, your spouse and your child all have a debit card from Capaha Bank.

  • Card 1 will expire October 2016
  • Card 2 will expire October 2017
  • Card 3 will expire October 2018
  • For this example, all three card holders will receive a new Capaha Bank EMV smart chip debit card in October 2016, and all cards will have an updated expiration date of October 2019.

 

There is no extra charge for a Capaha Bank EMV smart chip card. If you are planning to travel internationally or have an immediate need for an EMV smart chip card, please contact your local branch or our Customer Service Department at (800) 872-4944.

 

All new account holders will automatically receive the new EMV smart chip cards.
Steps to use EMV card at a merchant

  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction and follow the prompts.
  3. Follow the instructions on the screen and sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

If a merchant is NOT using a new chip-enabled terminal:

You will ‘swipe’ your card to make your purchase, just as you do today. EMV smart chip cards will continue to have the magnetic stripe on the back.

Steps to use an EMV card at an ATM

  1. Insert and remove your Capaha Bank EMV smart chip card.
  2. Your card will be recognized and you will be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete
  3. When the transaction is complete and the card is released, then remove your card, making sure to take your cash and your receipt with you

For non-Capaha Bank ATMs:

 

There are two types of ATM card readers.

  1. A “Dip Reader” is the type that Capaha Bank utilizes. You dip your card into the reader but retain possession of the card. If you are withdrawing cash from a bank that also utilizes a dip-reader, you will use the same process shown above.
  2. A “Pull-In Reader” is the type of reader that will pull your entire card into the reader when you insert it. For this type of reader, simply insert your card, leave it in the ATM, and follow the prompts on the screen until your transaction is complete.

For either type of ATM, when your transaction is complete and the card is released, be sure remove your card and take your cash and receipt with you.

 

Note: A PIN is needed for ATM transactions.

  • What are EMV Smart Chip Cards?
    • A chip card – also called a smart card or an EMV card – is a credit or debit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards are already in use in much of the world. The EMV Smart Chip cards 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.
  • Are EMV Smart Chip Cards 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 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.
  • How am I protected?
    • All consumer debit cards that we issue come with ‘zero liability protection,’ so you are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.
  • What information is on the chip?
    • The chip contains information about your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.
  • Will EMV Smart Chip Cards prevent data breaches?
    • While EMV smart chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.
  • Can I use my EMV Smart Chip Card anywhere?
    • Yes. Your card can be used virtually anywhere VISA is accepted in the U.S. and around the world. Transactions in foreign countries will require PIN entry.
  • Do I need to sign the back of my EMV Smart Chip Card?
    • Yes. You still need to sign the back of your card.
  • Can I use my EMV Smart Chip Card to make purchases online or by phone?
    • Yes. You can use your EMV smart chip card to make online purchases as you do today. Provide your card information as you have done in the past. EMV smart chip cards will not change the way payments are made online or by telephone.
  • What if my EMV Smart Chip Cards is lost or stolen?

Visa Debit Card

Use your Visa Debit Card instead of writing a check or paying cash at any merchant that accepts Visa. There are no interest charges and the amount will automatically be deducted from your primary checking account. It’s faster than writing a check because you don’t need to show your ID or provide personal information. You can review your Visa Check Card transactions on your bank statements through Capaha Connect or Capaha Contact.

Use your Visa Check Card just like an ATM card to withdraw cash, check your account balances and transfer funds between your accounts. Your Visa Check Card works worldwide anywhere Visa is accepted.

Safety Tips

  • Treat your Visa Check Card like cash – keep it in a safe place
  • Memorize your PIN – never carry a written record of it
  • Use ATMs in visible, well-lit locations and be prepared to take your cash quickly
  • Double check the dollar amount you have entered before going to the next step
  • Keep your Visa Check Card receipts to check your statement for unauthorized or inaccurate transactions
  • Report any errors in your bank statement to Capaha Bank’s Customer Service Department at 800-872-4944

What To Do If Your Card Is Lost Or Stolen

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