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How We See It

Crystal Hardy,  Vice President and Bank Card Change Coordinator

Crystal Hardy, Vice President and Bank Card Change Coordinator

August 17, 2015

New Chip Technology Enhances Consumer Security

Do you remember life before cell phones? How did we ever get along without the ability to contact someone at a moment’s notice, no matter where they are? Likewise, the rise of smartphones in the last decade has also provided a world of information at our fingertips. Just as technology has improved how we communicate, it has also now improved our protection against fraud when making purchases at our favorite stores.

Texas Bank Trust Visa® Credit Cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Transactions made through a chip-activated terminal are processed using a one-time use code, generated by the chip, which prevents a scam artist from copying your card information by swiping the magnetic strip through a card-skimming device. This new technology is also accompanied by a regulation implemented by Visa® and MasterCard®, which shifts the liability for fraudulent transactions from the card issuer to the merchant who accepted the transaction.

Using a chip-enabled card is easy. Simply insert your card – chip side up – into the slot on the bottom of a chip-activated terminal. Leave the card in place and follow the prompts on the screen. Once the transaction is complete, the terminal will prompt you to remove your card.

The card still has a magnetic strip that can be swiped if a chip-activated terminal is not available at your merchant. You can also continue to use your card over the phone and for online purchases, just like you do today.

Texas Bank and Trust Visa® cardholders will receive their new chip cards automatically as their cards renew. They can also request a new card by contacting a lobby representative at any TB&T branch location. For more information about chip card technology, please visit


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