LANB EMV MasterCard® Debit Card FAQs

Why did LANB switch from VISA® Debit Cards to EMV MasterCard® Debit Cards?

MasterCard® is a proven community bank partner, providing robust security features and the latest in microchip technology. 

When will my current VISA® Debit Card deactivate?

LANB VISA® Debit Cards will be deactivated in early January, 2017.  Please remember to destroy your old card after you activate your new LANB EMV MasterCard® Debit Card.

Why does my LANB debit card now include a chip?

As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You'll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. 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.

What is a chip card?

A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as a traditional magnetic stripe. The chip encrypts information to help increase data security when making transactions at terminals or ATMs that are chip-enabled.

I have two checking accounts.  How do I know which account is associated with my new LANB EMV Debit Card(s)?

If you have multiple checking accounts, you can request a balance inquiry by using your new LANB EMV MasterCard® Debit Card at any ATM after your new card has been activated. You will be provided with the account balance and last four digits of your account number associated with that particular card. You can also contact the bank directly.   

What bill payments will need to be reestablished after I receive my new card?

Only bill payments that are linked to your current LANB VISA® Debit Card need to be reestablished.  Automatic payments linked directly to your checking account will not be impacted.

Do I need to reestablish the alerts I have already set up in relationship to my LANB VISA® Debit Card?  

Yes.  Any alerts associated with your LANB VISA® Debit Card will need to be reestablished.  You can set up your LANB EMV MasterCard® Debit Card alerts through our eBanking platform under the ATM/Debit Card tab.

Are chip cards secure?

Yes. Chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature at chip-enabled terminals, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.

Will chip cards prevent third-party data breaches?

Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

Will chip cards prevent all fraud from happening?

No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide.

Will chip cards allow others to track my location?

No. Chip card technology is not a locator system. The chip on your card is limited to supporting authentication of card data when you make a purchase.

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

Yes. You'll continue to enjoy the same benefits with your chip card as you do today with your debit or credit card.

How does a chip debit card work?

It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts as you do today.

You'll be prompted to enter your PIN or to provide a signature as you normally would to verify the transaction. You may not be asked for a PIN when travelling internationally. Your card is available to be removed from the terminal once the transaction is completed.

If the retailer is not equipped to read the chip card, just swipe as you do today. For transactions made over the phone or online, nothing changes.

Now that I have a chip debit card, do I need to notify the bank before I travel internationally?

We recommend that you set a travel notice on any card(s) you plan to use while traveling, to help prevent interruption. To set a travel notice, sign in to Online Banking. If you do not have access to Online Banking, set a travel notice by calling the number on the back of your card and speaking with a LANB associate. For your protection, we'll continue to monitor card activity even when a travel notice is set. If you encounter any issues while traveling, we're here to help.

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

When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks, gas pumps) will require a PIN. In these situations, enter your debit card PIN. Some international self-service terminals do not accept U.S. issued debit cards and may display a message such as "Transaction Canceled". This is known to happen on French Toll Roads or Automated Fuel Dispensers depending on location. In these cases, please locate an attended terminal to complete your transaction, or plan for an alternative payment method, such as local currency.

What should I do if I’m not able to select either ‘debit’ or ‘credit’ to verify my transaction, or request cash back when using a chip debit card?

Once you insert your chip debit card in to the terminal, you’ll be prompted to either enter your PIN (debit) or provide your signature (credit) to verify your transaction.

Both ways are secure and help protect you from counterfeit fraud. The transaction is processed the same way and funds are taken directly from your checking account.

If the merchant won’t allow you to enter your PIN (debit), you will not be able to request cash back. In this case, you may either locate an ATM to withdraw cash or try a different merchant.

Are there any situations where my chip debit card may not work when inserted into the chip terminal?

Yes, during this transition, you may encounter the following situations:

The chip terminal is installed, but not turned on. Some merchants are not yet allowing any chip cards to be inserted. This will occur frequently in the short-term while terminals are becoming chip-enabled. If you insert your chip debit card and nothing happens, please swipe your card to complete your transaction.

The chip terminal is turned on for chip credit cards only. Some merchants are only allowing chip credit cards to be inserted and plan to allow chip debit cards at a later date. If you insert your chip debit card and nothing happens, please swipe your card and complete your transaction. This does not mean there is anything wrong with the chip on your card.

You may always choose to swipe your card first, and if the merchant accepts chip debit cards, you’ll be instructed to insert your card into the terminal.

Will my chip ATM/debit card work at all ATMs?

Yes, your card will work at both a chip-enabled ATM and at ATMs where only magnetic stripe transactions are accepted.

1. Insert your card face-up in the ATM to begin your transaction.

2. Follow the on-screen instructions (chip-enabled ATMs will hold your card during the transaction).

3. Take your card when prompted.

Are there any additional fees associated with chip debit cards?

There is no additional cost to have or to use your new card with smart chip technology.  However, there are fees for each requested replacement of a debit card that may still apply.  Please refer to your Personal Schedule of Fees or Business Schedule of Fees for more details.

Will my chip card allow me to use Samsung and/or Apple Pay?

Samsung and Apple Pay are not available at this time.