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Chip Cards

Get big protection in a tiny chip with West Suburban Bank's Visa® cards.

The embedded chip is a standard in the U.S. for card payments and at ATMs. Visa chip cards are not only more secure, they are also simple to use. Chip cards and terminals work together to protect in-store payments. A unique one-time code is generated behind-the-scenes that is needed for the transaction to be approved - a feature that is virtually impossible to replicate in a counterfeit card.

It's easy to pay at a chip activated terminal with your WSB chip card:

Step 1
Insert the chip end of your card into the terminal (instead of swiping).

Step 2
Keep your card in the terminal to complete your purchase.

Step 3
Don't forget to take your card with you when you leave.

If a merchant is not yet chip-activated, you can still swipe your card to pay.

If you are an existing West Suburban Bank cardholder, there is no need to request a chip card. Upon expiration your WSB Visa debit and credit card will be replaced with a chip-enabled card.

Frequently Asked Questions (FAQ)

Why does my West Suburban Bank credit or debit card now include a chip?
As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You’ll enjoy greater security when making purchases at a chip –enabled terminal since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you’ll enjoy greater acceptance when traveling internationally.

What is a chip card?
A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.

What is a smart card or an EMV card?
You may hear chip cards referred to as “smart cards” or “EMV cards” – they’re all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.

Where can I use my chip card?
Many merchants across the U.S. are beginning to accept chip card transactions and this will continue to grow within the coming years. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you’ll enjoy greater acceptance when traveling internationally. Your chip card will still work at terminals where only magnetic stripe transactions are accepted.

Are chip cards secure?
Yes. Chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.
While magnetic stripe cards are still considered secure, chip technology is the next step to providing enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase, you can have confidence in the protection and security features we provide for all credit and debit card accounts.
Remember, if you notice any suspicious activity on your account, notify us immediately by calling the number on the back of your card.

Will chip cards prevent third-party data breaches?
Chip card technology provides an additional layer of security to help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

Will chip cards prevent all fraud from happening?
No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide. As always, your purchases are also covered by our zero liability protection.

Will chip cards allow others to track my location?
No. Chip card technology is not a locator system. The chip on your card is limited to supporting authentication of card data when you make a purchase.

Do the same benefits come with my chip card that I had with my prior card?
Yes. You’ll continue to enjoy the same benefits with your chip card as you do today with your debit or credit card.

How does a chip card work?
It’s easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts as you do today.
You’ll be prompted to enter your PIN or to provide a signature as you normally would to verify the transaction. Your card can be removed from the terminal once the transaction is completed.
If the retailer is not equipped to read the chip card, just swipe as you do today. For transaction made over the phone or online, nothing changes.

Now that I have a chip card, do I need to notify the bank before I travel internationally?
We recommend that you set a travel notice on any card(s) you plan to use while traveling, so your card access isn’t interrupted.

When can I expect to receive a card with chip technology?
If you don’t have a card with chip technology today, you’ll receive one when your old card expires or needs to be reissued. Until then, use your standard card with the magnetic stripe.

Will my chip debit card still work at an ATM?
Yes. You can continue to use your card as you do today by following the instructions at an ATM.

Are there any additional fees associated with chip cards?
There are no additional costs to have or to use your new card with smart chip technology. However, there are fees for each requested replacement of a card that still apply. There is no fee when we replace a card at expiration.


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