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Chip-enabled TCF Debit Card

You can check out faster when making purchases using a chip-enabled TCF Debit Card with the contactless pay feature. The TCF Debit Card is a fast and easy way to make purchases right from your TCF checking account.

Make everyday purchases with your debit card

Use it everywhere Visa® is accepted

The TCF Debit Card is a fast and easy way to make purchases right from your TCF checking account.

How to use your chip-enabled TCF Debit Card

Your chip-enabled TCF Debit Card gives you three ways to pay in person - wave, insert or swipe at a payment terminal. Chip technology does not change the way you pay online or by phone.

Waving
When you see payment terminals with the contactless symbol, just wave your card above to pay.

  1. Look for the contactless symbol at checkout.
  2. Wave your chip-enabled TCF Debit Card above the payment terminal.
  3. Listen for the beep.
  4. Follow the instructions on the screen and either sign your name or enter your PIN as needed.

Inserting
If the payment terminal does not have a contactless option but is chip-enabled, you will need to insert your card.

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

Swiping
If a merchant isn't using a chip-enabled terminal just swipe your card. Chip technology will not be used to process the transaction.

Online or on the phone
Chip-enabled debit cards will not change the way payments are made online or by phone. You will still provide your card information as you have done in the past and chip technology won't be used to process the transaction.

How to protect yourself from fraud

Better protection against fraud


When using your card at a chip-enabled payment terminal, the embedded chip in your card generates a unique code for your transaction that can’t be used again. This provides better protection of your card number and personal information, making it more difficult for fraudsters to get and use.

Protection if fraud does occur
You are protected with zero fraud liability for unauthorized use of your card. This means you won’t be held responsible for fraudulent charges made with your card.

How to get a chip card

How to get a chip-enabled TCF Debit Card

New customer
Soon all TCF branches will be equipped to instantly issue a personalized chip-enabled TCF Debit Card on the spot. Your chip-enabled debit card will be mailed to you when you open a new TCF checking account online.

Current customer
We will be replacing your current TCF Debit Card. You'll automatically receive your chip-enabled debit card in the mail. You don't need to request a new one. Once you get your new chip-enabled debit card, activate it right away and securely destroy your old card.


Want to get a chip-enabled debit card sooner? Call us.

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