Get BIG Protection from a Tiny Chip

Introducing chip technology for Capital City Bank Visa® Debit Cards

Capital City Bank consumer and business Visa® debit cards now feature an embedded chip, sometimes called an EMV chip, which improves security when you make purchases at a chip-activated terminal. Your new card is not only more secure – it’s also easy to use. Here’s what you can look forward to as a cardholder:

Receive enhanced security and protection with chip technology.
When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Easy to use. If a chip-activated terminal is available, insert your card, follow the prompts and remove your card when the purchase is complete. However, if a merchant does not have a chip-activated terminal, simply swipe your card like you’ve always done.

New debit card. Same great features. More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you’re protected against unauthorized use with Visa’s Zero Liability Policy*. Plus, continue to use your chip card online and over the phone, or get cash, check your balance and more at an ATM.

Don’t have a Capital City Bank Visa® Debit Card? Request a card today at your local office, by phone at 888.671.0400 toll-free or through an online Chat during business hours.

 

 

Frequently Asked Questions

> What is a chip card?

Capital City Bank Visa® Debit Cards now feature an embedded microchip – a silver metal square on the front of the card – that improves security when you make transactions at chip-activated terminals.

> How does chip technology protect my information?

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

> Where can I use a chip card?

You can use your card at millions of places that accept Visa® Debit Cards, at home and around the world, even if the merchant does not have a chip-activated payment terminal.

> Can I still swipe my card to pay?

Yes! If a merchant does not have a chip-activated payment terminal, you can continue to swipe your card to pay. Simply swipe then select CREDIT and sign for your purchase or select DEBIT and enter your PIN.

> Does my chip card work at the ATM?

Yes! You may use your card to get cash, check your balance and more. While Capital City Bank ATMs do have chip card readers, they have not been activated to make chip transactions yet. This will happen in the near future. In the meantime, simply follow the screen prompts on ours and other ATMs to complete your transactions.

> Will I have to pay any fees to use a chip card?

No. There are no additional fees to use a chip card. Standard ATM fees may apply.

*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify Capital City Bank immediately of any unauthorized use. Ask a banker for specific restrictions, limitations and other details.

 

 

 

 

 

 

 

Chipcard technology

Using Your Debit Card with Chip Technology is Simple!

If a chip-activated terminal is available, follow these easy steps:

1. Insert the chip end of your card into the terminal with the chip facing up.

2. Keep your card in the terminal and follow the prompts. 

3. Remove your card when prompted and take your receipt. 

 

If a merchant is not yet chip-activated, you can still swipe your card to pay.