Chip Card Technology

Using a Chip Card is easy! Watch our helpful video here.

Chip Cards are adding an additional layer of security to all cardholders making purchases in store. Your current First International Bank & Trust cards will be replaced with chip technology.

Read more about Chip Cards in the Frequently Asked Questions (FAQs) found below.


What is a chip credit or debit card?

Chip cards, also known as smart or EMV cards, have a microchip embedded in the card. The chip is encrypted and provides stronger security and protection when used at a chip-enabled terminal.

What does a chip card look like?

Many features of a chip card are the same as a magnetic stripe card. The key difference is the gold or silver-colored embedded chip on the front left side of the card. A chip card also has a magnetic stripe on the back of the card.

Will my chip card work outside the United States?

Your new chip card will work at merchants processing transactions using a chip terminal or using a magnetic stripe. Chip cards can be used anywhere in the world where credit or debit cards are accepted. International chip card transactions generally require a PIN number for use.

Now that I have a chip card, should I continue to notify you before I travel internationally?

Yes. Advance notification will help ensure that legitimate purchases are approved.

Are chip cards safer to use than magnetic stripe cards?

Chip cards provide a higher level of security for in-store payments by making every transaction unique. The chip will encrypt personal and purchase information, making a chip card difficult to copy or counterfeit.

If my card has a chip, are you discontinuing magnetic stripes on cards?

No. Magnetic stripes will continue to be used on cards so that they can be used at merchant terminals that have not yet converted to chip technology.

Is this a chip and PIN required card?

Our new chip cards do not employ chip and PIN technology. Your signature will be an option at the end of the transaction, just like your current magnetic stripe card does.

Can I use my chip card on the internet, or for mail or telephone purchases?

Yes. You’ll use your chip card the same way you currently use your magnetic stripe card for these types of purchases.

Do chip card transactions take longer?

During the purchase, the chip and terminal authenticate the transaction, which may take slightly longer than a magnetic stripe transaction.

How do purchases with my chip card differ than using my existing magnetic stripe card?

Rather than swiping your card at a chip-enabled terminal you will be asked to insert your card into the terminal. The card will need to stay in the terminal until your transaction is complete. The terminal will prompt you to remove your card when the transaction is complete.

There is a screen that comes up that gives an option that I have never received before: Common Visa AID and Visa AID. Which one do I choose?

You can choose either one to complete the transaction.