Flagship Community Bank is now issuing debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.
A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into
the chip is personalized for your account, and each transaction generates a unique code, adding an extra safeguard against unauthorized use
These cards are already in wide use around the world and are now becoming the standard in the U.S.
When will the change happen?
Even though chip cards have started being issued in the U.S. and some merchants have already installed chip-enabled card terminals for payment, the entire conversion process is expected to take a few years to complete.
That’s why chip cards will continue to have a magnetic stripe on the back. That way, if a merchant’s terminal or an ATM is not yet chip-enabled, your transaction can still be processed using the magnetic stripe as it is today.
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