EMV Debit Cards

Enjoy enhanced security with your purchases -- our debit cards now include an EMV chip.


You can now make debit card purchases more securely than before.

Beginning in November 2016, all debit cards we issue will include an EMV chip -- a microchip that increases the security of your purchases when you use your card at EMV chip-enabled terminals to make a purchase.

Your current debit cards will continue to work as normal -- however, all Community 1st Bank-issued debit cards will now include an EMV chip going forward.


Do I need to do anything?

  • Please activate your new EMV Chip Debit Card immediately and destroy your old card.
  • Your PIN will not change on your new EMV Chip Debit Card.
  • Your expiration date has changed, update merchants or other institutions that regularly bill your account. They will need your new expiration date.

More about EMV chip technology:

"EMV" stands for "EuroPay, MasterCard®, Visa®." Debit cards with an EMV chip use state-of-the-art technology to keep your transactions more secure -- so you can enjoy more peace of mind with every purchase.

This technology originated in Europe and is already in use around the world. It's been instrumental in fighting the rise of fraud and has been adopted by the major credit card issuers, including Visa and MasterCard.


How the EMV chip makes your purchases more secure:

When you make a transaction using the EMV chip on your card, a unique code is generated for that purchase. The chip does not reveal any of your sensitive information, but instead generates a code for the transaction that cannot be re-used. This makes each transaction unique, and adds an additional layer of protection that makes it more difficult for fraudsters to gather and use your card information.


How to use your EMV chip card:

Making a purchase using the added security of the EMV chip is easy:

  • First of all, make sure that you're at a chip-enabled terminal when making a purchase.
  • Insert the chip end of the card into the terminal, facing up.
  • Sign your name or enter your PIN as you would with any other debit card purchase.

And that's it! Just make sure to remove your card after the transaction is complete.


You can still use your debit card by swiping it.

Some merchants do not yet offer chip-enabled terminals (though many currently do and more will into the future), so you can still use your debit card the way you have previously, using the magnetic strip.

Be aware, however, that you won't enjoy the enhanced security features of the EMV chip card by swiping it and using the magnetic strip. It's always more secure to use your EMV chip to make purchases.


Learn more about EMV chip cards.