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Chip Cards

All non-chipped USB debit cards will be deactivated July 1, 2020. You will need to use your new chipped debit card. If you have not received your chip card, please call us at 1-888-872-0015.

 


Count on enhanced fraud protection with chip technology.

United Southern Bank Visa® Debit Cards now come with built-in chip technology. Chipped cards are not only more secure—they’re also easy to use.

Receive an enhanced level of security. 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.

Check out with ease. Follow the simple steps to the right to pay at a chip-activated terminal. Enjoy global acceptance. More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay wherever Visa Debit Cards are accepted.

You are also protected against unauthorized use with Visa®’s Zero Liability Policy.1

 

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

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

Step 2
Keep your card in the terminal throughout the transaction and follow the prompts on screen.

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

 

Chip-activated terminals are coming to most U.S. retailers in the years to come. If a merchant is not yet chip-activated, you can still swipe your card to pay.

 

Frequently Asked Questions about Chip Technology

What is a chip card?
United Southern Bank Visa Debit Cards now feature built-in chip technology. You’ll enjoy global acceptance plus an enhanced level of security.

How does chip technology protect my information?
Whenever 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.

Can I swipe my chip card to pay?
Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for yourpurchase, if necessary.

Can I use my debit chip card at the ATM?
Yes. You can still use your card to get cash, check your balance and more. Simply insert the chip end of your card with the chip facing up. Your card will remain in the ATM until your transaction is complete.

 

1Visa’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 your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.