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Chip Debit Cards

Debit Cards with Chip Technology

You may have already heard about - or even used - debit or credit cards with chip technology, the new standard in card payments. Chip cards feature an embedded microchip that encrypts data to help prevent fraud.

First Merchants credit cards already use chip technology, and we are now implementing chip technology on our debit cards. Throughout 2016 and 2017, we will be sending out chip cards to replace existing debit cards - you do not need to take action in order to receive a new card.

Want to know more? Take a look at our FAQs below, or feel free to give us a call at 1.800.205.3464


What is a chip card?

Where can I use my chip card?

How do I use my chip card at a chip-enabled register?

How do I use my chip card at a First Merchants ATM?

Can I still choose to either enter a PIN, or sign for purchases to earn Rewards points?

Will my card work the same for online and phone transactions?

How do chip cards work?

Why are chip cards safer?

Why is my MasterCard card being upgraded to a chip card?

Do I need to take any action?

When will I get a chip card?

Will I be charged for this new chip card feature?

Will my chip card look the same as my current card?

Will I still be able to earn Gold Standard Rewards? Will I keep the points I've already earned by using my current card?

Can I request a chip card now if I want one?

Where can I learn more about chip cards and chip technology?


Have questions or need assistance? Just give us a call at 1.800.205.3464. Our Customer Service team is available weekdays from 7 a.m. until 8 p.m. ET, and from 9 a.m. until 3 p.m. ET on Saturdays.

Looking for a different number or an online form? Find it on our contact page.