At First Florida Integrity Bank we take debit card security seriously, which is why we are introducing a new type of debit card called a CHIP card. These cards use embedded microchips to authenticate payments. Your new CHIP debit card will be automatically mailed to you over the next few months.

These are the key differences with using your new CHIP card:

  • Carry your CHIP card with confidence! When your card’s data is stored on a CHIP, your account information changes dynamically with each use. This is a big advance from magnetic stripe cards.

  • CHIP cards protect against fraud resulting from counterfeit, lost and stolen cards by providing strong transaction security features not possible with traditional magnetic stripe cards.

  • CHIP enabled payment terminals are slightly different than traditional payment terminals. The cardholder inserts or “dips” the CHIP card into the reader. The card stays in the terminal during the transaction, similar to the way some ATMs work today. Although your CHIP card still has a magnetic stripe to accommodate older terminals, if you swipe your card on a terminal turned on to read CHIP cards, the terminal may require you to insert your card into the CHIP reader. Depending on the merchant and the purchase amount, a PIN or signature may be required.

  • Don’t leave your card behind! Habits can be hard to break, so the first few times you are asked to insert your CHIP debit card into a CHIP enabled terminal might be a little disorienting since you have to briefly let go of your card. Just remember to take your CHIP card from the terminal after the transaction is completed.

FAQ's

Will First Florida Integrity Bank be replacing current debit cards with CHIP cards?
Yes. Over the next several months, First Florida Integrity Bank will be gradually replacing debit cards with new CHIP cards.

How are CHIP cards different?
Each CHIP card contains a secure microchip that provides strong transaction security features and other application capabilities not possible with traditional magnetic stripe cards.

Are CHIP cards are more secure?
Yes. CHIP cards increase security and reduce fraud resulting from counterfeit, lost and stolen cards.

Will CHIP cards still work in older terminals and ATMs?
Yes. For now, CHIP cards continue to feature a magnetic stripe and work on all payment terminals and ATMs.

Is there a difference in how cardholders will use CHIP cards at CHIP enabled terminals?
Yes. Insert or “dip” the CHIP card into the reader. The card must stay in the terminal during the transaction, similar to the way some ATMs work today. If you happen to swipe your CHIP card’s magnetic stripe on a terminal turned on to read CHIP cards, the terminal may require you to insert your card into the CHIP reader. Pocket your card when done. Don’t leave your card behind! Habits can be hard to break, so the first few times you are asked to insert your CHIP card into a CHIP enabled terminal might be a little disorienting since you have to briefly let go of your card. Just remember to take your debit card from the terminal after the transaction is completed. Make online purchases with your CHIP card in the same way you use a magnetic stripe card today. 

Are there benefits to CHIP cards beyond security?
Yes. Convenience while you travel is one additional benefit. Many other countries already have adopted the CHIP standard, so you can use your new CHIP card when you travel and it will work seamlessly with the global payments infrastructure.

Will magnetic-stripe-only cards continue to be safe to use?
Yes. Keep your PIN a secret, regularly monitor card activity and immediately report lost or stolen cards. CHIP cards offer a higher level of security.

Will the cost of issuing CHIP cards continue to be covered by First Florida Integrity Bank?
Yes. There will be no additional cardholder fees for using the new CHIP card.

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