CHIP CARD FAQs

What is a chip card?

A chip card is a debit or credit card that contains an embedded microchip that encrypts cardholder information into a unique code that increases data security when used at a chip-enabled terminal.

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When will I get my new chip card?

If you have not already received your new credit card, you will receive your new chip card just before your existing card(s) expire. For debit cards, you will receive your new card by the end of May 2017.

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What if I want a chip card before my current card expires?

Consumers and Business Cardholders: You may call 800-382-5465 to order a new credit card. Debit cards are scheduled to arrive in the mail by the end of May 2017.

Purchasing Card Program Administrators: Please call 800-806-2816 to order new purchasing or commercial cards for your cardholders.

Purchasing Card or Commercial Cardholders: Please contact your program administrator.

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Where can I use my new chip card?

Many merchants across the US are beginning to accept chip card transactions and this acceptance will continue to grow in the next few years. Chip technology is already used in 130 countries around the world so you will have greater acceptance when traveling internationally. If the merchant does not accept chip cards, you will still be able to use your card with the magnetic stripe. Customers can use their cards for payment over-the-phone or online just as you always have.

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What is a contactless card or terminal?

First Tennessee chip-enabled consumer credit cards and select business credit cards allow for a contactless payment option. When you see the  symbol on your credit card and the terminal, you may wave your card in front of the terminal instead of inserting it into the terminal. Remember, the contactless feature is only available for transactions under $75.

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How do I know if my card or a terminal is contactless?

Look for the  symbol at checkout. Keep in mind, First Tennessee consumer and small business credit cards are contactless, while our debit cards are not.

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Is there a limit on contactless transactions?

Yes, the limit for a contactless credit card transaction is $75. Debit cards do not support contactless payments.

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Does First Tennessee charge any additional fees for using the chip card?

No, First Tennessee does not charge any additional fees to use the new chip technology.

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Are there any situations where I could experience issues using my chip debit card?

When traveling internationally, some card readers at unattended terminals (like public transportation kiosks, gas pumps, etc) will require a special PIN. This is not the PIN you would normally use for U.S. transactions. As such, your card will not be accepted. In these situations, locate an attended terminal to complete your transaction or have an alternate payment method.

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Has my card information changed?

Your card number will not change. Please note your card may have a new expiration date or CVV2 number, so be sure to update your information with billers that are set up on an auto-payment feature.

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What if my chip card doesn’t work when I insert it into the chip terminal?

Some merchants may have chip terminals, but they may not be activated to accept chip cards. If you are unable to insert your chip card into a chip terminal, you can always swipe your card to complete the transaction.

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Do I need to use a PIN with my Visa chip card?

In most cases, you’ll sign for credit purchases and either sign or enter your PIN for debit purchases, just like you do today.

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Why does my chip credit card work at the chip-enabled terminal but my chip debit card does not?

Until the technology is available everywhere, chip card acceptance may vary by type of payment card at some merchants. During this transition, you can always swipe your card to complete your purchase.

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How soon should I activate my card?

You should activate your card immediately upon receipt to ensure a smooth transition. Debit cards can be activated by calling 888-382-8877. Credit cards can be activated by calling 800-562-1337.

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What happens if I don’t activate my new card?

After 21 days from when your new card is mailed, your current card will no longer be active or usable. Your new chip-enable card will not be usable until activated.

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How can I verify my mailing address is correct?

You can verify your mailing address by logging into Digital Banking 2.0, calling First Link at 800-382-5465 or by visiting a financial center near you.

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First Tennessee Bank National Association operating as First Tennessee Bank and Capital Bank. Member FDIC.