Texas Bay offers both credit and debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.
A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.
These cards are already in wide use around the world and are now becoming the standard in the U.S.
You will receive your new credit or debit chip card in the mail before it expires.
Follow these simple steps to use your card at a chip-enabled terminal
At an ATM
The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, 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, and then remove your card. A PIN is needed for ATM transactions.
On the Internet or by Phone
Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.
If the Merchant is Not Using a Chip-Enabled Terminal
Your payment will process as it normally does from your initial ‘swipe’. Chip cards will continue to have the magnetic stripe on the back.
Learn about chip card technology in this short video
Chip Cards are easy to use…learn more from this Free Cardholder Guide
When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again.