New Chip Technology for Your Visa^® Cards

Chip card benefits

• Greater protection from fraud - The microchip embedded in your card encrypts your data, providing enhanced security against counterfeiting when used at a chip-enabled terminal.
• Easy to use at home or internationally - Less hassle using a chip card overseas! The chip technology is the global standard and is already in use in over 80 countries, including Canada and throughout Europe and Asia.
• Acceptable at non-chip enabled card terminals - Your new card has the embedded chip as well as a magnetic stripe. If a store or merchant has not upgraded to chip technology, you'll just use your card as you did previously by swiping the magnetic stripe

It's easy to use your new chip card at any store or merchant

At a chip-enabled terminal

• Instead of swiping, insert your card face up into the terminal
• Don't take the card out until the transaction is complete
• Sign or enter your PIN (for debit cards), if asked, and remove the card

At a traditional terminal without chip technology

• Just swipe your card as you've done in the past
• Sign or enter your PIN (for debit cards), if asked

For phone or online purchases

• Complete your purchases just as you've done in the past.

Why does TD Bank now offer chip cards?

Chip technology is already the global standard because of its advanced security features. This technology will become the standard in the U.S. as well within the next few years. We want our customers to have access to the best security features right now.

What is a chip card?

A chip card, also called an EMV chip card or Smart Chip card, uses an embedded microchip instead of a magnetic stripe to store data. The microchip embedded in your card encrypts your data, providing enhanced security against counterfeiting when used at a chip-enabled terminal.

Is it safe to use the magnetic card stripe at merchants that don't have a chip-enabled terminal?

While chip technology provides enhanced security, using the magnetic stripe continues to be a safe way to use your card. Remember that you are also always protected by Visa's Zero Liability^* coverage, which protects you in the event of card fraud.

How do I use my new chip card?

At a chip-enabled terminal

• Instead of swiping, insert your card face up into the terminal
• Don't take the card out until the transaction is complete
• Sign or enter your PIN (for debit and reloadable cards)

At a traditional terminal without chip technology

• Just swipe your card as you've done in the past
• Sign or enter your PIN (for debit and reloadable cards), if asked
• Complete your purchases just as you've done in the past.

Do I need a PIN to use my new chip card?

TD Bank's chip debit and reloadable cards are set up to accommodate PIN transactions. For credit cards, just sign for your purchase if asked.

When using my chip debit or reloadable card can I decide to use my PIN or sign for the transaction?

You may have the option to choose to use your PIN or sign for your transaction. However, TD Bank is an early adopter of chip technology for debit and reloadable cards, which means that you may encounter merchants or terminals that are not ready to process chip 'debit' transactions, only chip 'credit' transactions. In this instance, if required by the merchant, you may have to sign for your purchase rather than entering your PIN. Your purchase will be debited from your available balance just like a 'debit' purchase.

Can I still get cash back on my debit and reloadable card transaction?

At a traditional merchant terminal without chip technology, your card will work as it has in the past for purchases and cash back. At chip-enabled merchants who accept 'debit' card transactions, you should be able to get cash back. However, TD Bank is an early adopter of chip technology for debit and reloadable cards, which means that you may encounter merchants or terminals that are not ready to process chip 'debit' transactions, only chip 'credit' transactions. In this instance, if required by the merchant, you may have to sign for your purchase rather than entering your PIN which won't allow you cash back. If you wish for cash back visit any TD Bank Store or TD ATM to withdraw funds free of charge.

What if I'm at a store that doesn't have a chip-enabled terminal?

Your new card has the embedded chip as well as a magnetic stripe. If a store or merchant has not upgraded to chip technology, you'll just use your card as you did previously by swiping the magnetic stripe.

Can I use my chip debit and reloadable cards at ATMs?

Your chip debit and reloadable cards can be used at ATMs, however your experience may change depending on the ATM. You may be asked to insert your card a second time or your card may be retained by the machine until the transaction is complete. As ATMs are updated to support chip cards, the transaction experience may change over time. Just follow the instructions on the ATM screen.

What do I select if given the choice of VISA Debit or U.S. Debit, etc. at an ATM?

Either option can be selected. Follow the remaining screen prompts to complete your withdrawal.

If I have a chip card, do I still need to notify TD Bank before I travel internationally?

Yes. Chip technology is already being used internationally, so you�ll have greater acceptance when traveling abroad. However, you should still notify us when you travel to help avoid any interruption in your card service. Learn more about travel notifications.

Do the same benefits come with my chip card that I had with my traditional card?

Yes. You will continue to enjoy all the same benefits with your chip card as you do with your traditional debit, credit or prepaid cards.

Will chip cards prevent third-party data breaches?

Chip card technology provides an additional layer of security to help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

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