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How to Use Your New Debit MasterCard

Image of ATM and a headline that states a new way to use your card. Click to see how to use a debit card with chip technology.

Paying at a chip-enabled terminal

Not all chip-enabled terminals will look the same, but the steps are nearly identical.

  • STEP 1 - Insert your card "chip first" into the chip-enabled terminal. With chip transactions, your card remains in the terminal throughout your transaction.
  • STEP 2 - Follow the prompts on the terminal and wait for the transaction to be processed. You may be required to enter your PIN or sign to complete the transaction.
  • STEP 3 - Remove your card after the transaction is completed and you are prompted to do so by the payment terminal.

Paying with a magnetic stripe

Don't worry if a merchant hasn't switched to a new chip-enabled terminal as of yet. Your card still has a magnetic stripe for use at traditional terminals.

Paying online or over the phone

Continue using the same payment process you currently use when making online or over-the-phone purchases with your new debit card.

Using your card at an ATM

  • STEP 1 - Insert your card in the ATM as you have always done.
  • STEP 2 - If prompted, re-insert your card and leave it in the ATM. Chip-enabled ATMs may hold your card during the transaction. Follow the on-screen instructions.
  • STEP 3 - Your card will be released at the end of the transaction. Always remember to take your card, receipt and any cash with you.

Paying overseas and abroad

Chip technology is common in over 130 countries around the world as more terminals and ATMs are becoming chip-enabled. When paying at a chip-enabled terminal, follow the same steps as you would in the U.S.