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Card FAQ

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Debit Cards   Consumer Chip Cards   Merchant Chip Cards

Debit Cards

Q: How do I activate my Johnson Bank Check Card, ATM card, HSA card, Business Debit card and Line of Credit card?

A: You are able to activate your card by calling 866.392.9952.

Q: Who do I notify if I lost my Johnson Bank Check Card or ATM card?

A: When your card is misplaced or lost, we encourage you to contact your Johnson Bank Advisor or the Johnson Bank Customer Service Center using our toll free number 888.769.3796. Your advisor will work with you to review your account history, close the card, and order you a new or replacement card.

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Consumer Chip Cards

Q: Why will I receive a new card?

A: The new chip card will include chip technology to provide you with enhanced security.

Q: How does a chip card protect my information?

A: Every time you use your card at a chip‐enabled terminal, the embedded chip generates a one‐time transaction code. The code is virtually impossible to counterfeit and helps reduce fraud for in‐person purchases.

Q: How will I receive a chip card?

A: You will receive a chip card automatically when your current card expires.

Q: What will I do with my old card?

A: Once you activate your new card, please destroy your existing card for security reasons.

Q: Where can I use my chip card?

A: You can use your chip card for in‐person or online purchases and ATM transactions.

Q: How do I pay at a chip‐enabled terminal?

A: It's easy to make purchases with your chip card. Simply insert the chip end of your card into the terminal with the chip facing up. Leave your chip card in the terminal and sign the receipt or enter the PIN to complete your transaction. Remove your card from the terminal when prompted and take your receipt. If you select CREDIT, you may need to sign for your purchase. Watch a video that demonstrates the new chip card process, visit johnsonbank.com/chipcards.

Q: Why do I need to leave my chip card in the terminal?

A: While your card is in the chip‐enabled terminal, the embedded chip creates a one‐time transaction code. This prevents stolen data from being fraudulently used. If you remove your card too soon, your transaction will be canceled.

Q: Can I still swipe my chip card to pay?

A: If a merchant isn't using a chip‐enabled terminal, you can still swipe your card. You will sign the receipt or enter the PIN to complete your purchase.

Q: Does my debit chip card still work at the ATM?

A: Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

Q: Will my card information change?

A: For your convenience, your card number will not change. Your card may have a new expiration date, so be sure to update your information with billers that charge your card regularly.

Q: Will my PIN change?

A: No. Your PIN will remain the same.

Q: Will I have to pay any fees to use my chip card?

A: No. There are no additional fees to use your new card.

Q: Does my new card have all the same benefits?

A: Yes. You can count on the same level of benefits you always have.

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Merchant Chip Cards

Q: What is EMV?

A: EMV stands for Europay, MasterCard®, Visa® and is Chip Card technology.

Q: How is chip technology more secure than magnetic stripe card payments?

A: Each card has an embedded microchip that securely stores card data and makes it nearly impossible to create a counterfeit card. The chip also produces a one‐time use code for each transaction for more secure processing.

Q: Why should I switch to chip technology now?

A: To help protect your business from being liable for fraudulent transactions and protect the cardholder information you process.

Q: Will I still be able to accept traditional credit and debit cards?

A: Yes, if a cardholder does not have a chip card, they will still be able to swipe their non‐chip card at your terminal.

Q: How will chip cards impact my customer's experience when they checkout?

A: The only change is that your customer will need to insert the chip card into your terminal and it must remain in the terminal for the entire transaction. You will want to make sure your customer does not forget their card in the terminal after the transaction is complete. Your customers will leave feeling more confident that the risk of fraud will be significantly reduced.

Q: How can I get more information on switching to a chip‐enabled terminal?

A: Contact your Johnson Bank advisor for information on our Supplied Equipment Plan (SEP) where you can quickly and easily upgrade your terminal without an investment in new equipment.

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Contact Us

You can also call 888.769.3796

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