EMV Chip Cards

Enhanced Security for your Debit Card

Tru Horizon Bank UK issues debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.

A microchip embedded in the 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.

Follow these steps to use your card at a chip-enabled terminal

Start the payment process by ‘swiping’ your card, just as you do today. If the terminal is chip-enabled, you will be instructed to insert your card.

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

What if a merchant isn't using a new chip-enabled terminal yet?

Your transaction will be processed following the normal ‘swipe’. Chip cards will continue to have the magnetic stripe on the back.

Online or phone purchases

Chip cards will not change the way payments are made online or by telephone.

At an ATM

The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.

How do I get a chip card?

You can request a debit card with chip technology by calling a Customer Service Representative at any of our branch locations.

Branch Locations

How am I protected?

All issued cards come with protections against unauthorized transactions. In the event a card is stolen, lost or fraudulently used in a store or online. It is important that cardholders promptly report a lost or stolen card or any suspicious transactions. Refer to the Bank's Electronic Funds Transfers – Your Rights and Responsibilities disclosure for more information on liability and reporting requirements for unauthorized transactions. For more information, please see Tru Horizon Bank UK's EFT Transfers - Rights and Responsibilities disclosure.