Chip Technology

You get big protection in a tiny chip

INB Visa® Debit Cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. When you get your new card, you’ll find it’s both more secure than your old card and easy to use. INB plans to issue cards on a staggered basis, and everyone should have a new card by the end of 2016.

Enhanced fraud protection

chip technologyWhen 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.


Global acceptance

More merchants are accepting chip transactions all the time. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa Debit Cards are accepted.


Easy to use

Simply swipe your card like you do today.  However, if a chip-activated terminal is available, insert your card instead and follow the prompts.  

No matter how you pay, you're protected against unauthorized use with Visa’s Zero Liability Policy.*

Keep in mind you can continue to use your chip card online and over the phone the same way you do today.  Plus get cash, check your balance and more at millions of ATMs worldwide.


How to pay at a chip activated terminal

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

  • Insert the chip end of your card into the terminal with the chip facing up.
  • Keep your card in the terminal and follow the prompts.
  • 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.

*Visa’s Zero Liability Policy covers U.S.-issued cards and may not apply to certain commercial and business card transactions or any transactions not processed by Visa.  You must notify your financial institution immediately of any unauthorized use.  For specific restrictions, limitations and other details, please consult us.