Secure Online Banking

Enroll

 

EMV


 

Midwest BankCentre Visa® Debit Cards will soon come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure – it’s also easy to use. Here’s what you can look forward to as a cardholder.

Enhanced fraud protection.

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global acceptance.

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa Debit Cards are accepted.

Easy to use.

Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts. See detailed steps to the right.

No matter how you pay, you’re protected against unauthorized use with Visa’s Zero Liability Policy.1

  • Keep in mind, you can continue to use your chip card online and over the phone … the same way you do today. Plus get cash, check your balance and more at millions of ATMs worldwide.

Answers to questions about chip technology:

Q: When will MBC begin issuing EMV chip enabled cards?
A: We plan to begin issuing EMV enabled cards in the first quarter of 2016. We will be replacing all existing debit cards, but not all at one time. We will reissue the cards over a period of several weeks.
Q: What is a chip card?
A: Midwest BankCentre Visa Debit Cards now feature built-in chip technology. You’ll enjoy global acceptance plus an enhanced level of security.
Q: How does chip technology protect my information?
A: When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
Q: Where can I use a chip card?
A: You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.
Q: Can I still swipe my card to pay?
A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.  
Q: Does my chip card work at the ATM?
A: 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.
Q: Will I have to pay any fees to use a chip card?
A: No. There are no additional fees to use a chip card.

   
 

See how easy it is to pay at
a chip-activated terminal

If a chip-activated terminal is available, follow these easy steps:

1 Insert the chip end of your card into the terminal with the chip facing up.
2 Keep your card in the terminal and follow the prompts.
3 Remove your card when prompted and take your receipt.


If a merchant is not yet chip-activated, you can  still swipe your card to pay.

 
 
 
 
 
 
 
   
   
   

1 Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.