Closeup of a man's hands making a debit card transaction.

What is a chip card? 

Fight fraud with chip card technology

About Chip Card Technology

MidFirst Bank credit cards and select debit cards use EMV chip technology to protect your card information when making a purchase at a chip-enabled merchant terminal and when used at a chip-enabled ATM. EMV, which stands for "Europay, Mastercard®, Visa®," is the international standard for chip card security and is already in use throughout Europe, Asia, Canada, Mexico and South America. Chip technology is becoming standard in the United States. As merchants and banks transition to chip technology, you will experience a change in the method in which you use your card at checkout and at ATMs.

How Chip Card Technology Works

During a transaction with your MidFirst Bank chip card, the chip produces a single-use code to validate the transaction, which helps protect your card from unauthorized use. Plus, if the merchant is breached, chip card data cannot be used to create a counterfeit card. Please note, the chip in your credit card is not a radio antenna and cannot be accessed by a scanner.

How To tell if a Merchant has Chip-enabled Terminals

Your chip card works at merchants and ATMs with and without chip card technology. While terminals vary by merchant, most merchants with chip-enabled terminals have a slot below the keypad to insert your card. Additionally, chip-enabled terminals will prompt you to insert your card into the slot if you attempt to swipe your card.

Merchants With Chip-Enabled Terminals

  • Insert your card into the slot facing up with the chip toward the terminal.
  • Follow the prompts on the screen to complete your transaction.
  • When the terminal says the transaction is complete, remove your card.
Steps showing how to use chip card technology.


Chip card readers may vary at different merchants, so be sure to follow the prompts on screen. Plus, don't forget to take your card when the transaction is complete.

Merchants Without Chip-Enabled Terminals

  • Swipe your card as normal using the magnetic strip on the back of your card and follow the prompts.

Don't worry if the merchant does not have chip technology; your card will still work and you will still be protected by Visa's Zero Liability Policy.*

ATM

  • Insert your card as normal and follow the prompts.
  • If the ATM uses chip technology, it will prompt you to leave your card inserted until the transaction is complete.

Online & Phone

  • Enter or provide your card information as requested.

Travel

  • Traveling internationally and need a MidFirst Bank debit card with chip card technology? Simply call the MoneyLine at 888.MIDFIRST (888.643.3477) to order a chip card.
  • All MidFirst Credit Cards use chip card technology.