Contactless Cards FAQs

VISA® DEBIT OR CREDIT CARD FAQs

• Where can I use my chip card?
  

  You can use your card at millions of places that accept Visa Cards, at home and around the world. 

• Can I still swipe my card to pay?
  

  Yes, if a merchant is not yet chip-activated, simply swipe your card and enter your PIN.  Or select CREDIT and sign for your purchase if necessary. 

• Does my chip card work at the ATM?
  

  Yes, you can still use your card to get cash, check your balance and more.  Be sure to insert the chip end of your card into the ATM with the chip facing up.  Your card will remain in the ATM until your transaction is complete. 

• Will this effect my PIN or card information?
  

  If you were reissued the same card number, your PIN will remain the same.  However, your card may have a new expiration date, so update your information with billers that charge your card regularly.  If your card has a new number, you must select a new PIN.  Please see the activation instructions on the letter to the card that was mailed on.  

• Will I have to pay any fees to use my chip card?
  

  No, there are no additional fees to use your new debit card.  

• Can I use the contactless functionality for all of my purchases?
  

  Contactless payment availability may vary depending on terminal enablement, merchant preferences, transaction location or purchase amount.  You may also be asked for your signature or PIN in some cases.

• What if a merchant's terminal does not accept contactless payments? Will my card still work?
  

  Yes. Insert the EMV card, or swipe the magnetic stripe like you would have done with your previous card.  Online purchases work the same as with your previous card.  

• How can I tell if a card or payment terminal accepts contactless payments?
  

  Both the card and the terminal will have the contactless symbol noted.

• How close does my contactless card need to be to the contactless checkout terminal?
  

  Your contactless card needs to be within 1 to 2 inches of the Contactless Symbol inorder to initiate a payment.  

• Am I still protected against unauthorized charges?
  

  Yes, If your card is ever lost, stolen or fraudulently used, you're protected by Visa's Zero Liability Policy.