Chip Card FAQs

WestStar Bank utilizes chip card technology that will help protect your card from unauthorized use. Below are some of the more frequently asked questions regarding this technology.

What is a chip card?

A card with chip technology provides enhanced security and protection against counterfeit fraud when used in a chip-enabled merchant terminal or ATM. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.

How do I use my chip card?
For chip-enabled terminals:
  1. Insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed.
  2. Sign or enter your PIN if prompted. Some transactions may not require either.
  3. When the transaction is complete, remove your card.

If a chip-enabled terminal isn’t available, just swipe as you normally would. For transactions made over the phone or online, nothing changes.

Why are chip cards more secure?

  • The chip generates a unique, one-time code each time you insert your card at a chip-enabled terminal. Your purchase can only be approved with the chip-generated code.
  • Moreover, the chip in your card is virtually impossible to duplicate. That means attempts by a fraudster to create and use counterfeit cards will be much harder.

Where can I use my chip card?

Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance when traveling internationally. Many merchants, across the U.S. accept chip card transactions and others will soon adopt the new system within the coming years. Your chip card will still work at terminals where only magnetic stripe transactions are accepted.