Learn About Added Security With Chip Cards For Your Business and Personal Visa Debit and Credit Cards

Coming this spring, Central Valley Community Bank will be offering chip card technology for Personal and Business Visa Debit and Credit Cards.

This is an important security update that will offer customers more protection from identity theives. Chip technology encrypts your transaction data, which makes it more difficult for unauthorized users to copy or access your information.

A chip-enabled debit or credit card, also known as a "chip card" or "EMV card" adds an extra layer of security to your Visa Debit or Credit Card transactions. These cards are already in wide use around the world and are now becoming the standard in the U.S.

Follow these steps to use your card at a chip-enabled terminal:

  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

If a merchant isn't using a new chip-enabled terminal yet.

You will 'swipe' your card to make your purchase, just as you do today. Chip Cards will continue to have the magnetic stripe on the back.

Online or phone purchases

Provide your card information as you have done in the past. Chip Cards will not change the way payments are made online or by telephone.

At an ATM

The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.

If you have additional questions,  Central Valley Community Bank's Customer Service team is available to assist you Monday through Thursday, 8:30 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 5:30 p.m. at (800) 298-1775 or