The First National Bank Launches Chip Technology to Protect Customers
New chip debit cards are safer, easy to use and convenient
The First National Bank is adding an additional layer of security to its Visa debit cards to protect customers
against fraud – a computer chip. The advanced security of the chip card will make it extremely difficult for fraudsters to
counterfeit or copy the card. The First National Bank plans to begin issuing the newly designed chip cards in November
2015.
“We’re excited to be able to offer our customers new cards equipped with highly-secure chip technology,” said
Bob White, President. “Our first priority is protecting our customers’ financial data from misuse – chip technology is just
one more way to accomplish that.”
The computer chip – a small, metallic square on the front of the card – assigns a one-time code making every
transaction unique and the card more difficult to counterfeit or copy. The new cards will still have a magnetic stripe for
cases where the merchant does not have an activated chip reader.
“You need to dip the chip card to benefit from this new technology. If the merchant has a chip reader, be sure to
use that instead of swiping your card for maximum security,” said White.
Using chip cards is simple and easy to learn. The First National Bank is providing the following step-by-step
instructions to educate customers:
1. Insert your card into the chip-enabled terminal with the chip first, facing up.
2. Leave the card in the terminal until the transaction is complete. You may be prompted to sign your name. Be
sure to take your card at the end of the transaction.
3. If there isn’t a chip-enabled terminal, use the card the traditional way and swipe.
CHIP CARDS
The First National Bank is issuing payment cards embedded with
security chips to help protect you against fraud at the register.
How Do I Use It?
1 Insert your card into the chip-enabled
What is a Chip Card?
terminal with the chip
A chip card—also known as an EMV card—is the latest
first, facing up.
way of adding an extra layer of security when you pay.
Chip cards can be used anywhere your other cards
2 Leave the card in the terminal
are used, but the chip functionality only works at a
until the transaction is complete.
business that has an activated chip-enabled terminal.
You may be prompted to sign
your name.
Why are Chip Cards more secure?
The chip generates a unique, one-time code each time you
dip your card at a chip-enabled terminal. Your purchase
can only be approved with the chip-generated code.
The chip in your card is virtually impossible to duplicate.
That means attempts by a fraudster to create and use
counterfeit cards will be much harder.
3 If there isn’t a chip-enabled
terminal, use the card the
traditional way and swipe.
More questions? We are ready to help.
Simply visit us at www.FNBMD.com
for more information.
G CHI
PCARD.COM
CONSUMERFAQ
Whati
sachi
pcar
d,andwhyam Iget
t
i
ngone?
Chi
pc
ar
dsar
epaymentc
ar
dst
hathaveanembeddedc
hi
p.Chi
pc
ar
dsofferyouadvanc
eds
ec
ur
i
t
ywhenyouus
et
hec
hi
pt
opayi
n
s
t
or
e.
Whati
sEMV?
Chi
pc
ar
dsar
ebas
edonagl
obalc
ar
dpayments
t
andar
dc
al
l
edEMV,c
ur
r
ent
l
yus
edi
nmor
et
han80c
ount
r
i
es
.Ther
ear
emor
et
han
3.
4bi
l
l
i
onc
hi
pc
ar
dsi
s
s
uedac
r
os
st
hegl
obe.Lear
nmor
eatemvc
onnec
t
i
on.
c
om/
c
ons
umer
s
Whyar
echi
pcar
dt
r
ans
act
i
onsmor
es
ecur
e?
Chi
pc
ar
dt
r
ans
ac
t
i
onsofferyouadvanc
eds
ec
ur
i
t
yf
ori
ns
t
or
epayment
sbymaki
ngever
yt
r
ans
ac
t
i
onuni
que.And,yourc
hi
pc
ar
di
s
mor
edi
ffic
ul
tt
oc
ount
er
f
ei
torc
opy.I
ft
hec
ar
ddat
aandt
heonet
i
mec
odear
es
t
ol
en,t
hei
nf
or
mat
i
onc
annotbeus
edt
oc
r
eat
e
c
ount
er
f
ei
tc
ar
dsandc
ommi
tf
r
aud.
How doIknow i
fIhaveachi
pcar
d?
I
fyouhaveac
hi
pc
ar
d,t
hec
hi
pi
sl
oc
at
edont
hef
r
ontoft
hec
ar
d.Youwi
l
ls
t
i
l
lhaveamagnet
i
cs
t
r
i
peont
hebac
ks
ot
hatyouc
an
us
ei
tatmer
c
hant
swhodon’
tac
c
eptc
hi
pc
ar
dsyet
.
How doIus
emychi
pcar
d?
Dur
i
ngt
het
r
ans
i
t
i
ont
oc
hi
p,youc
ans
wi
peyourc
ar
dasyounor
mal
l
ywoul
dandf
ol
l
ow t
hepr
ompt
s
.I
ft
het
er
mi
nali
sc
hi
penabl
ed,
i
twi
l
lpr
omptyout
oi
ns
er
ti
ti
ns
t
ead.I
fyoual
r
eadyknow yourc
hi
pc
ar
dwor
kst
her
e,s
t
ar
tbyi
ns
er
t
i
ngyourc
ar
d.Thes
ebas
i
cs
t
eps
wi
l
lhel
pens
ur
es
uc
c
es
s
f
ult
r
ans
ac
t
i
ons
:
car
dwi
t
h
1Itnhseecrhtiypotuorwa
r
dt
he
t
er
mi
nal
,f
aci
ngup.Do
notr
emoveunt
i
l
pr
ompt
ed.
s
i
gnat
ur
e
2PorroPvIiNdeasyopurormp
t
edby
t
het
er
mi
nal
.Some
t
r
ans
ac
t
i
onsmaynot
r
equi
r
eei
t
her
.
ent
het
er
mi
nal
3Wh
s
ayst
het
r
ans
act
i
on
i
scompl
et
e,r
emove
yourcar
d.
Al
waysr
ememberwhenyouus
eyourc
hi
pc
ar
dt
of
ol
l
ow t
hepr
ompt
sont
het
er
mi
nalandl
eaveyourc
ar
di
ns
er
t
edunt
i
lpr
ompt
edt
o
r
emovei
t
.
CanIs
t
i
l
lpayi
ns
t
or
ei
fIdon’
thaveachi
pcar
d?
Yes
,mer
c
hant
swi
l
lc
ont
i
nuet
oac
c
eptmagnet
i
cs
t
r
i
pec
ar
dpayment
s
.
WhencanIexpectt
ogetmychi
pcar
d?
Manyfinanc
i
ali
ns
t
i
t
ut
i
onsar
ei
s
s
ui
ngc
hi
pc
ar
dst
odayorar
epl
anni
ngt
os
oon.
Whatdoesachi
penabl
edt
er
mi
nall
ookl
i
ke?
Chi
penabl
edt
er
mi
nal
shaveal
loft
hef
eat
ur
esyouar
eus
edt
owi
t
hapaymentt
er
mi
nal
,wi
t
ht
headdi
t
i
on
ofas
l
ott
oi
ns
er
tyourc
ar
d.Thes
l
oti
st
ypi
c
al
l
yl
oc
at
edatt
hebot
t
om ort
het
opoft
hepaymentt
er
mi
nal
.
How doIknow i
fat
er
mi
nalaccept
schi
pcar
ds
?
Dur
i
ngt
het
r
ans
i
t
i
ont
oc
hi
p,youc
ans
wi
peyourc
ar
dasyounor
mal
l
ywoul
dandf
ol
l
ow t
hepr
ompt
s
.I
ft
het
er
mi
nali
sc
hi
penabl
ed,
i
twi
l
lpr
omptyout
oi
ns
er
ti
ti
ns
t
ead.I
fyoual
r
eadyknow yourc
hi
pc
ar
dwor
kst
her
e,s
t
ar
tbyi
ns
er
t
i
ngyourc
ar
d.
Whati
ft
het
er
mi
naldoes
n’
tacceptchi
pcar
ds
?
Car
dswi
l
ls
t
i
l
lhaveamagnet
i
cs
t
r
i
peont
hebac
k,s
oeveni
fat
er
mi
nali
snotyetc
hi
penabl
ed,youc
anus
eyourc
ar
dasyoudot
oday.
Wher
ecanIus
emychi
pcar
d?
Anywher
e.Yourc
ar
dwi
l
lhaveac
hi
pandamagnet
i
cs
t
r
i
pet
oac
c
ommodat
eanys
i
t
uat
i
on.Dur
i
ngt
het
r
ans
i
t
i
ont
oc
hi
p,youc
an
s
wi
peyourc
ar
dasyounor
mal
l
ywoul
dandf
ol
l
ow t
hepr
ompt
s
.I
ft
het
er
mi
nali
sc
hi
penabl
ed,i
twi
l
lpr
omptyout
oi
ns
er
ti
ti
ns
t
ead.
I
fyoual
r
eadyknow yourc
hi
pc
ar
dwor
kst
her
e,s
t
ar
tbyi
ns
er
t
i
ngyourc
ar
d.
Whenwi
l
lIbeabl
et
ous
emychi
pcar
datal
lmer
chantl
ocat
i
ons
?
Ever
yday,mor
emer
c
hant
sar
ebec
omi
ngc
hi
penabl
edt
oi
nc
r
eas
es
ec
ur
i
t
yf
ori
ns
t
or
ec
ar
dt
r
ans
ac
t
i
ons
,s
oyouwi
l
ls
t
ar
tt
os
ee
t
hes
et
er
mi
nal
satmanyoft
hepl
ac
esyous
hopt
oday.Youwi
l
lc
ont
i
nuet
obeabl
et
opayatbot
hc
hi
penabl
edandnonc
hi
penabl
ed
mer
c
hant
swi
t
ht
hes
amec
ar
d.
Wi
l
lanyt
hi
ngchangedur
i
ngmyonl
i
nepur
chas
es
?
No.Youwi
l
lus
eyourc
hi
pc
ar
df
oronl
i
nepur
c
has
esbyf
ol
l
owi
ngt
hes
amepr
oc
es
syoudot
oday.
CanIus
emychi
pcar
dout
s
i
deoft
heU.
S.
?
Yes
.Chi
pc
ar
dsar
ewi
del
yus
edi
ni
nt
er
nat
i
onalmar
ket
sandar
eac
c
ept
edi
nmor
et
han80c
ount
r
i
es
.Havi
ngac
hi
pc
ar
dwi
l
lmakei
t
eas
i
erf
oryout
omakepur
c
has
eswhenyout
r
aveli
nt
er
nat
i
onal
l
y.
©EMVMi
gr
at
i
onFor
um 2015.Al
lr
i
ght
sr
es
er
ved.Thi
sdoc
umentwasdownl
oadedf
r
om GoChi
pCar
d.
com,
anEMVMi
gr
at
i
onFor
um andPayment
sSec
ur
i
t
yTas
kFor
c
ewebs
i
t
e.