The bank that works for you

EMV Cards

The New EMV Credit Cards are Here!

The new EMV (Europay, MasterCard and Visa) or “Chip” credit cards are now available at DCB.

Starting January 1, all newly issued DCB credit cards and cards that are expiring will be reissued the new EMV card.
The EMV cards are equipped with computer chips that are used to authenticate transactions. The new and improved cards are being deployed to improve payment security, making it more difficult for fraudsters to successfully counterfeit cards.
The debit card conversion is in process and should be completed around the end of March.
Here is a quick primer on the new EMV cards:
Why are EMV cards more secure than traditional cards?
It's that small, metallic square you'll see on new cards. That computer chip is what sets apart the new generation of cards.
The magnetic stripes on traditional credit and debit cards store contain unchanging data. Whoever accesses that data gains the sensitive card and cardholder information necessary to make purchases. That makes traditional cards prime targets for counterfeiters, who convert stolen card data to cash.
Unlike magnetic-stripe cards, every time an EMV card is used for payment, the card chip creates a unique transaction code that cannot be used again.
If a hacker stole the chip information from one specific point of sale, typical card duplication would never work "because the stolen transaction number created in that instance wouldn't be usable again and the card would just get denied.
EMV technology will not prevent data breaches from occurring, but it will make it much harder for criminals to successfully profit from what they steal.
How do I use an EMV card to make a purchase?
Just like magnetic-stripe cards, EMV cards are processed for payment in two steps: card reading and transaction verification.
However, with EMV cards you no longer have to master a quick, fluid card swipe in the right direction. Chip cards are read in a different way. 
Instead of going to a register and swiping your card, you are going to do what is called 'card dipping' instead, which means inserting your card into a terminal slot and waiting for it to process.
When an EMV card is dipped, data flows between the card chip and the card processor to verify the card's legitimacy and create the unique transaction data. This process isn't as quick as a magnetic-stripe swipe.