Introducing More Security with EMV Chip Debit Cards Decorah – May 25, 2016 – Beginning June 20, 2016, we will begin offering an EMV (chip) debit card. If you are a current debit card holder with us, you can expect your new chip debit card in the coming days. Simply follow the instructions provided with the replacement chip debit card to activate it. Once this is complete your old debit card will no longer work and can be destroyed by shredding and securely recycling it. What is an EMV (chip) debit card? EMV stands for Europay, MasterCard, and Visa, and has become the global standard for chip and PIN cards. EMV® technology on your new card stores account information more securely, and the technology itself can provide a reduction in card-present fraud resulting from counterfeit, lost or stolen cards. How the EMV Chip Card Works You’ll either insert your chip card into the store’s terminal or swipe the magnetic stripe. You’ll need to keep the chip in the terminal until the transaction is complete. Chip-enabled terminals in stores (and ATMs) are gaining popularity as a protection for customers. How to get an EMV Card If you have a checking account with us and don’t currently have a debit card, or are interested in opening a checking account, simply ask for a personal banker to get one at 563.382.9661 or 563.547.2244. If you are a current debit card holder with us, you can expect your new chip debit card in the coming days with further instructions on how to activate and use your new card. We hope that you enjoy your new EMV (chip) debit card.