EMV

What Perennial Bank customers need to know.

• All newly issued Debit Cards will be equipped with EMV technology.
• Current Debit Card holders will receive their EMV card when their current card expires. 
• If you would like your EMV card before your current card expires, please contact your local Perennial Bank branch for more details. 

What you need to know about EMV.

• EMV cards are fairly new to the United States, however they have been the heavily used in Europe for many years.
• EMV Debit Cards have robust security features that traditional cards cannot offer.
• The computer chip embedded in the card generates a unique, one-time code each time you “dip” your card at a chip-enabled terminal. Your purchase can only be approved with the chip-generated code.
• The chip in your card is virtually impossible to duplicate. That means attempts by a fraudster to create and use counterfeit cards will be much harder.
• Consumers have zero-liability for fraudulent transactions.
• EMV is also referred to as Chip and PIN.

How do you use your EMV card?

1. Insert your card into the chip-enabled terminal with the chip first, facing up.
2. Leave the card in the terminal until the transaction is completed. You may be propted to sign your name. 
3. If there isn’t a chip-enabled terminal, use the card the traditional way and swipe the card.
4.  If your chip card is denied, request that the merchant swipe the card.