EMV Chip Technology

Home EMV Chip Technology

It's time to take security to a whole new level.

All Alpine Bank debit cards are being upgraded to the latest EMV Security Chip Technology.  This chip will be embedded directly into your card and will encrypt your information each time it is used at a chip-enabled merchant machine.

What is EMV?  EMV stands for Europay, MasterCard and VISA.  These three entities collaborated to put forth a global standard for chip-based debit and credit cards.  Discover and American Express have since become a part of the collaboration.

How does the EMV chip card work?  Cards enhanced with the EMV chip work similarly to your existing cards with the magnetic strip.  However, instead of swiping your card, you "dip" your card into the Smart Card reader.  You still have the ability to perform transactions with a signature or secure Personal Identification Number (PIN).

What are the benefits to an EMV chip card?  Where your card information was once only stored in its magnetic strip, the information is now also housed on the EMV chip, making extraction of the card information much more difficult when used at a chip-enabled merchant.

At the time of purchase or cash withdrawal, the chip creates a unique code to complete that specific transaction.  This code cannot be duplicated in future transactions.  The unique code makes the information from that transaction virtually useless if compromised. 

Why does the debit card still have a magnetic strip?  Although banks are updating all of their cards with EMV chips, not all merchants have updated their machines to accept EMV cards.  Therefore, there will still be instances where you will need to swipe your card, when there is no chip-enabled machine present at a merchant.

Will I receive a new debit card with the EMV chip?  Yes.  Alpine Bank has chosen to reissue new EMV chip cards to all debit card customers, at no expense to the customer. 

Why can't I retain my existing card number and PIN?  When a breach occurs, sometimes it can take months to discover.  Therefore, to protect our customers from breaches which have not yet been discovered, we are providing them with the added security of not having a card number which could still be used without their authorization.

Once your new EMV debit card is received, you will be instructed to activate it by calling 815.229.7777.  Once activated, you will be prompted to choose your Personal Identification Number (PIN) for the card.

When can I expect my new EMV chip card?  All current Alpine Bank debit card customers will receive their new card by April 30, 2016.  If you have not received your new card by then, please call our Customer Service Department at 815.398.6500.

Are there any steps I need to take when I get my new EMV debit card?  Yes.  If you have any automatic payments set up through your debit card you will need to contact those merchants and update your payment information to your new card number.  Types of automatic payments which may be set up on your card are utility bills, IPASS auto replenish, layaway, etc. 

How do I activate my new debit card?  Activating your new debit card is easy.  Just follow the steps below to activate your card.

Consumer and HSA cards customers will need to know the following four pieces of information, in addition to the debit card number:
        CV2 Number (3-digit number on the back of the card)
        Social Security Number
        Any phone number listed on their Alpine Bank profile (home, mobile, or work)
        Date of Birth

Business debit card holders customers will need to know the following four pieces of information, in addition to the debit card number:
        CV2 Number (3-digit number on the back of the card)
        Expiration Date
        Any phone number listed on their business Alpine Bank profile (home, mobile, or work)
        ZIP Code of the company's mailing address

Who do I call if I have questions about my card?  Our experienced bankers are able to help you at any of our 15 locations.  You can also contact us at 815.398.6500.  Our phone representatives are available Monday-Friday: 8:00 a.m. - 8:00 p.m., Saturday: 8:00 a.m. - 5:00 p.m., and Sunday: 9:00 a.m. - 4:00 p.m.