Some merchants that used to allow you to add the tip to the receipt after the transaction, may now ask you to specify the tip before the transaction. We expect that this will change over the next several months to restore the previous option of adding a tip after the transaction.
No, your chip card must be inserted into a POS terminal or ATM in order to read the chip.
No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.
While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.
You can shut your debit card off by using online and mobile banking. Step-by-step instructions are available Here. You can also visit your nearest bank lobby to close your lost debit card. For after-hours lost or stolen debit cards, call 844-202-5333 so that your card can be canceled to avoid any fraudulent charges.
You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks. Please note that some merchants are now requiring you to use your PIN for debit card transactions (previously you could select “credit” to sign instead). This change will also impact your HSA card (if you have one). This is why it is important to select and remember your PIN. You are always protected against fraud no matter if you sign or enter your PIN.
Yes. For ATM transactions, insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money you might have withdrawn.
When I used my chip card at an ATM, I was asked to select between “Debit” and “Visa Debit” [or “MasterCard” and “Maestro”]. Which one should I choose?
It is Fine to select either one – your transaction will work either way.
Yes. You can use your chip card to make these purchases as you do today.
Yes. You still need to sign the back of your card.
All Callaway Bank personal, prepaid and business debit cards have the chip technology. If you have misplaced or never received your new debit card, please contact Customer Care Team at 800.446.2265 Monday – Friday 7:00 a.m. – 1:00 a.m.; Saturday 8:00 a.m. – 2:00 p.m. All customers who open a new checking or prepaid account with The Callaway Bank will be issued a Debit MasterCard with Chip Technology during the account opening process.