EMV Frequently Asked Questions

Will my Personal Identification Number (PIN) change?

No, your PIN will stay the same.


How do I use my new chip-enabled card?

Slide your card into the reader, “chip end” first. Keep your card in the chip reader until the screen informs you that your transaction is complete.


Why does my BCT card now have a chip?

The U.S. is shifting to chip-enabled cards used at chip readers because chip technology has proven successful in reducing fraud in over 130 countries around the world. It’s already the standard in Canada, Mexico, South America, Europe and Asia — and will be the standard in the U.S. 


Where can I use my chip-enabled card in the U.S.?

Since your card has a magnetic stripe and an embedded chip, you can use your card anywhere in the U.S. that accepts Visa® cards. You will notice that a growing number of retailers and ATMs will be accepting chip-enabled cards.


Do I still need to sign the back of my card?

Yes, you need to sign the back of your card for security purposes.


Can I still use my old card?

No. Your new embedded chip card replaces your old card. To properly dispose of your old card, you should shred or cut it up.


How do I pay at a card reader that is not chip-enabled?

Your card will also have a magnetic stripe on the back, so you can still swipe your card at a traditional card reader — just as you would today.



How does a chip-enabled card work for Internet and telephone transactions?

A. Your Internet and telephone transactions will work just as they do today.


What about recurring payments on my old card?

Just like anytime you get a new card, notify the merchants that charge your card, give them your card number, expiration date and the 3-digit security code.


How does the chip make my card more secure?

The chip alone does not make your card more secure. A chip transaction adds another layer of security to cards by requiring the chip to produce a single-use code to validate the transaction — further protecting your card from unauthorized use. This process makes your chip card information more difficult to steal and therefore makes your chip card more difficult to counterfeit.


How else does BCT protect my card information?

BCT is committed to your security and continues to provide you with Zero-Liability Protection. Please contact BCT immediately if you notice any unauthorized transactions or suspicious activity in your BCT account.


What information is stored on the chip?

The chip stores information needed to complete your transaction, such as card number and expiration date.


Do chip cards use contactless, NFC (Near Field Communication) or blink technology?

NFC technology is different from chip technology. At this time, BCT cards with chip cannot be used directly for NFC payments. However, you can load your BCT chip card to a digital wallet that uses NFC technology to make payments.


What should I do if I see suspicious activity on my account?

Call the number on the back of your card to report any suspicious activity on your account.


What should I do if my card gets lost or stolen?

To report Lost or Stolen cards call us Monday – Friday 8:00AM to 5:00PM at 1-304-725-8431. For after hours and weekends call 1-866-546-8273.