Chip Card FAQs

GENERAL

 

What is a chip card?

Chip cards are like traditional credit or debit cards but now have an embedded chip located on the front of the card. The chip technology provides stronger protection by making it difficult for your card to be copied or counterfeited.

 

Where can I use my Commerce Bank Chip Card?

You can use your chip card at all retailers— by inserting the card into chip terminals or swiping your card at retailers that are not yet chip-enabled.

 

SECURITY

 

How does chip technology protect my information?

Every time you insert your Commerce Bank Chip Card into a chip terminal, the embedded chip protects your information by creating a unique transaction code. This transaction code cannot be replicated, keeping you better protected against counterfeit fraud.

 

Does the chip provide an enhanced level of security if I make a purchase using the magnetic stripe on my card or online?

No. The chip only provides an enhanced level of security when you insert your chip card into a chip terminal to make a purchase.

 

Can my card information still get compromised with a chip card?

Yes. Chip technology is only one layer of security to prevent your Commerce Bank Chip Card from being fraudulently used and cannot prevent all fraud including, but not limited to, web and phone purchases. You will continue to receive the security benefits of Commerce’s Real-Time Fraud Monitoring and you’re always protected against unauthorized use of your card or account information with Zero Liability1 protection.

 

What should I do if my card is lost or stolen or if I notice fraudulent transactions?

Call Customer Service immediately. You must contact us within 60 days of the date you received the FIRST statement showing the unauthorized charges.

 

COMMERCE BANK CHIP CREDIT CARDS

 

Do I need to enter a PIN (Personal Identification Number) to make purchases?

No. You will not enter your PIN to make a credit purchase.

 

If you have enabled the Special ConnectionsSM feature on your card, you can learn more (link to Special Connections Feature web page) about using your PIN.

Does my Commerce Bank Chip Credit Card work at the ATM?

Yes. You can still use your chip card to get cash, check your balance and more. Insert your card like you do today and follow the prompts on the ATM. If the ATM is chip-enabled, be sure to insert the card as instructed on the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

 

Can I use my Commerce Bank Chip Credit Card when traveling internationally?

Yes. Chip cards have been in use around the world for many years and are now commonplace in many countries. You will follow the same steps to make a purchase abroad as you would when making a purchase in the United States with your chip card.

 

What should I do if I am prompted to enter my PIN when traveling internationally?

There may be special instances when you are prompted to enter a PIN when making a credit purchase when traveling internationally. If this happens, you can take the following steps to continue with your purchase.

 

At Retailers

  • Communicate to the cashier that your card requires a signature only, and does not require a PIN; or
  • Try to bypass the PIN prompt on the terminal if prompted to enter a PIN.

 

At Unattended Terminals (Example: Train Station Kiosk)

  • Try to bypass the PIN prompt on the terminal if prompted to enter a PIN; or
  • If you cannot bypass the PIN prompt, please find a nearby attended terminal where staff can assist you with your purchase.
  • We also recommend as a best practice to always have multiple forms of payment, like local currency, for this situation.

 

COMMERCE BANK CHIP DEBIT & PREPAID CARDS

 

Does my Commerce Bank Chip Debit & Prepaid Card work at the ATM?

Yes. You can still use your chip card to get cash, check your balance and more. Insert your card like you do today and follow the prompts on the ATM. If the ATM is chip-enabled, be sure to insert the card as instructed on the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

 

Can I use my Commerce Bank Chip Debit & Prepaid Card when traveling internationally?

Yes. Chip cards have been in use around the world for many years and are now commonplace in many countries. You will follow the same steps to make a purchase abroad as you would when making a purchase in the United States with your chip card.

Disclosures:

  1. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.