EMV Chip Cards are Coming!
Rails West is excited to be migrating to the latest chip technology which provides greater protection against fraud. Debit and credit card users can expect to receive their new cards with chip technology in the mail between March 21st and April 15th 2016. New cards will be reissued regardless of their current expiration date.
Best practices for your New EMV Chip Card:
- Activate your new chip card by calling the provided activation number with your EMV Chip Card.
- Once you have activated your new card you will need to discard your old magnetic stripe card, as it will no longer work, and start using your new chip card.
- Your card number and PIN will not be changing, but you will need to update recurring payment information (utility bills, gym memberships, PayPal, Amazon, cell phone bill, etc.) with the new expiration date and CVV Code (3-digit code on back of card).
Follow these steps to use your card at a chip-enabled terminal:
- Insert your card, face up and chip end first into the chip-enabled terminal.
- Leave the card in the terminal during the entire transaction.
- Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
Call us at 800-354-5511 with any questions about your new card, or stop in and talk with a Member Service Representative today.
EMV Chip Card FAQs
What is an EMV Chip Card?
An EMV Chip Card looks like a regular debit or credit card with a microchip. This chip is used to secure transactions, making your card almost impossible to duplicate at chip reading transaction terminals. 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.
Will my debit or credit card number change?
No, your current card number will remain the same. Your card will have a new expiration date and new CVV Code, so you will need to update recurring payment information that is affiliated with your debit or credit card.
Will my Personal Identification Number (PIN) change?
No, your PIN will remain the same. You may change your PIN at any time by calling 866-642-0450.
Will my new expiration date impact my automatic payments?
You will need to update your expiration date and CVV Code with any automatic payments affiliated with your debit or credit card.
Can I use my card at a merchant’s terminal or ATM that is not yet chip-enabled?
Yes! Your chip card will also have the usual magnetic stripe on the back so you can continue using your card at ATM’s and Point of Sale Terminals while merchants in the U.S. are transitioning to new terminals.
What is the replacement cost for a lost, stolen or damaged EMV Chip Card?
The replacement cost is $5.50 per card.