EMV Chip Card Frequently Asked Questions

EMV chip cards (EMV stands for Europay, Mastercard® and Visa®) are also referred to as “chip cards” or “smart cards”. They contain an embedded microchip containing encrypted information, making the card extremely difficult to counterfeit. 

Yes. When used at chip-enabled readers, these cards encode each transaction with a unique identifier which changes with each transaction, providing stronger protection against fraud. 

We will automatically send you a chip-enabled debit card near your current card expiration date. If you would like a debit EMV card prior to your card expiring, please call 877-647-5050 to request a replacement debit EMV card for a $10.00 fee. 

1. Insert the card, face up and chip end into the chip-enabled terminal.
2. Leave the card in the terminal during the entire transaction.
3. Follow the instructions on the screen and either sign your name or enter your PIN as needed.
4. Be sure to remove your card and take your receipt when the transaction is complete.

While your card is in the chip-enabled terminal, the embedded chip creates a unique transaction code. This prevents stolen data from being fraudulently used. If you remove your card too soon, your transaction will be cancelled. 

For merchants without chip-enabled terminals, cardholders will swipe their card through the terminal. 

Yes, you can continue to use your card as you do today by following the instructions at an ATM. 

Yes, you can turn your EMV debit card off and on. Click here to learn more about Debit Card On/Off.

Report a lost or stolen card promptly by calling MNB at 877-647-5050. If you have Online Banking, you also have the ability to use the Card On/Card Off feature outside of banking hours. Click here to learn more about Card On/Card Off.