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EMV Chip Card Information
Greenleaf Wayside Bank will soon be implementing EMV microchip technology in our debit cards to increase the security of transactions. EMV (Europay, MasterCard®, Visa®) heightens card security by encrypting your card information, making it more difficult to compromise. The card's small microchip provides greater protection for you by reducing the likelihood of fraud and giving you peace of mind.
In the near future, you will be receiving a new debit card equipped with an EMV chip. GWB is working closely with our card processors and anticipate reissuance to begin in October 2016. Until then, please know that your current card, with a traditional magnetic strip, is secure. You are protected by the MasterCard Zero Liability policy, which means your liability for unauthorized transactions is $0. You may notice that merchants are gradually upgrading their payment terminals to accept both magnetic strip cards and those with EMV chips.
Watch for more information about receiving your new debit card in the upcoming months. If you have questions, regarding EMV, please contact one of our Customer Service Representatives.
EMV Chip Card Information and Frequently Asked Questions
What are Enhanced Security Chip Cards?
A chip card - also called a smart card or an EMV card - is a credit or debit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.
Are chip cards more secure than my current card?
Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.
When will the change happen?
Even though the 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.
When will I receive my chip card?
Chip Debit Cards - You'll automatically receive your new chip card in the mail the month that your current card is set to expire (Example - card expires in October of any year, you will receive your chip card October of this year). There is no need to request a new card. There is no extra charge for the new chip card. If you are planning to travel internationally or have an immediate need for a chip card, please contact us at 920-864-7901. Fees for early issuance will apply.
How am I protected?
All debit cards that we issue come with 'zero liability protection', so you are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.
What information is on the chip?
The chip contains information about your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.
How do I use them?
When used at merchants with chip-enabled card terminals it's as easy as: 1. Insert the card, face up and chip end first, into the terminal. 2. Leave the card in the terminal during the entire transaction. 3. Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete. For merchants without chip-enabled terminals, you will 'swipe' your card through the terminal, just as you do today.
Can I use my chip card anywhere?
Yes. Your chip card can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.
Do I need to sign the back of the card?
Yes. You still need to sign the back of your card.
Can I use it to make purchases online or by phone?
Yes. You can use your chip card to make these purchases as you do today.
Can I use my card at an ATM?
Yes. For ATM transactions, insert your card into 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.
What is the difference between chip and signature and chip and PIN?
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.
What if my card is lost or stolen?
It's important to report a lost or stolen card immediately. Keep a record of the telephone number on the back of your card and call it if necessary.
Is my new chip card contactless?
At this time, your new chip card cannot be used for contactless payments.
Will chip cards prevent data breaches?
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.
Greenleaf Wayside Bank's Debit MasterCard®
Now anywhere you see MasterCard®, Cirrus or Plus symbols, you can use your Greenleaf Wayside Bank debit MasterCard®. The debit MasterCard® is accepted anywhere that debit MasterCard® is welcome. When using the debit MasterCard®, the money paid for goods or services comes directly from your checking account without having to write a check. You will get a receipt for your transaction and all transactions will appear on your monthly bank statement.
Using Greenleaf Wayside Bankís debit MasterCard® is quicker than writing a check, much safer than carrying cash and more convenient than carrying a checkbook. Use your debit MasterCard® at the gas station, when you are out of town, at your favorite restaurant, or when shopping online or by phone.
Your Greenleaf Wayside Bank debit MasterCard® is also your ATM card for cash and other banking services. All existing rules and services provided to you by your ATM card are offered through your debit card. You have 24-hour access to your checking or savings account simply by inserting your debit card into the ATM, and entering your PIN (personal identification number).
|If your Debit MasterCard® is lost or stolen:
Please immediately call Greenleaf Wayside Bank during regular business hours at
to report your card lost or stolen during non-banking hours.
ATM Locations & Hours
|Greenleaf Wayside Bank
|Greenleaf Wayside Bank
|1608 Day Street
Greenleaf, WI 54126
Wrightstown, WI 54180
|Open 24 hours a day, 7 days a week||Open 24 hours a day, 7 days a week|
Personal Banking Needs
The Debit MasterCard® gives you 24-Hour banking convenience. Use your card to make deposits or withdrawals, check balances, or transfer funds between accounts at any ATM locations.
If your debit card is lost or stolen, please immediately call Greenleaf Wayside Bank during regular business hours at 1-920-864-7901 or call 1-800-472-3272 to report your card lost or stolen during non-banking hours.
Frequently Asked Questions
MasterCard Secure Code
Protect your debit MasterCard with a personal password for extra security when shopping online.
Customer Service 1-866-234-4691
Choosing the right business credit card is easier than ever.
No matter which card you choose, you'll enjoy important features like:
ē Award-winning expense management tools
ē Free employee cards
ē EMV smart chip technology for added security
ē Mobile purchasing for added convenience
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