Chip-enabled debit card questions

Questions about chip-enabled TCF Debit Cards

A chip-enabled card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already is use in much of the world, 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.

Yes. Chip-enabled cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip-enabled card at a chip-enabled payment terminal, a unique code is generated for that transaction. This makes it hard for fraudsters to get it and use.

Look for a chip-enabled payment terminal.

  1. Insert the card, face up with the chip end first, into the terminal.
  2. Leave the card in the payment terminal during the entire transaction.
  3. Follow the instructions on the screen and sign or enter your PIN if needed. Be sure to remove your card when the transaction is complete.

For merchants without chip-enabled payment terminals, swipe your card as usual. Chip technology won't be used to process the transaction.

Your chip-enabled card can be used anywhere Visa cards are accepted in the U.S. and around the world. If a merchant has a chip-enabled payment terminal, you will insert your card during the transaction. In the U.S., you will still be able to swipe your card to make your payment if a merchant has a regular payment terminal. You will need a PIN to be able to make a transaction at an ATM.

We will be mailing replacement chip-enabled debit cards to all active debit card holders by Summer 2017. Once your new card arrives in the mail, be sure to activate it and securely destroy your old card.

You can use your current card until you get your chip-enabled debit card. 

Yes. You still need to sign the back of your card.

Yes. You can use your chip-enabled card to make these purchases as you do today. Chip technology won't be used to process the transaction.

Yes. Depending on the type of ATM, you might be able to wave your card or 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. Then remove your card and any money you might have withdrawn.

If your card is lost or stolen, call us at call 1-800-TCF-BANK (800-823-2265), TTY (hearing impaired) call 1-800-343-6145, as soon as possible so we can help.

We will cancel your card to protect your account and help with reviewing your account activity for any charges you don't recognize. We will help by either mailing you a new card through the U.S. mail or locating a nearby branch that can instantly issue a new card for you.

No. Chip cards won't prevent the types of data breaches that have hit some merchants, but they do make it difficult for fraudsters to produce counterfeit cards from the stolen data.

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