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Chip Technology: The Future of Credit Cards and Debit Cards

Enjoy global acceptance and greater security with your Zions Bank® chip credit card or debit card

Zions Bank is pleased to offer the chip credit card that offers improved security, global acceptance and continued ease-of-use. Zions Bank chip credit and debit cards are available now. Initial chip cards will be issued as replacement cards for expired, lost or stolen cards. Over time, all card holders without chip cards will receive replacement cards and be notified when to expect their new cards in the mail.

About a Chip Credit Card and Chip Debit Card

Chip cards—also known as EMV or Europay, MasterCard® and Visa®—are new to many people. Learn more about how chip cards work and what additional benefits they offer below.

How Chip Technology Benefits You

Improved Security

With chip card technology, your card data is more secure when used at any chip-enabled terminal. During a payment transaction, the chip assigns a unique code to each transaction. This is different than magnetic stripe technology that stores static information in the stripe that’s used for every transaction. With chip cards, once a transaction is complete, the unique code “expires,” to help prevent card data from being reused.

Global Acceptance

Chip cards are already standard in many countries. And global adoption of this technology continues to grow. The US is in the process of transitioning to chip cards as of 2015. This transition will take time, because, to ensure a chip card payment is processed, merchants must first install chip-enabled terminals.

Payment Peace-of-Mind

A merchant that doesn’t have a chip-enabled terminal can still process your payment using the magnetic stripe on a traditional card. And, while chip card security isn’t utilized during a magnetic stripe transaction, the security measures you’re used to with your Zions Bank credit or debit card are still in place. They’ll also be in place for your new chip card. Learn more about these security options.

As Easy to Use as Ever

Although chip-enabled terminals work a little differently, you’ll master them in no time. Here’s how to pay with your Zions Bank chip credit card or chip debit card the chip-secured way:

  1. With the front side up and chip end first, insert your card into the terminal. Keep your card in the terminal throughout the transaction.
  2. Follow the on-screen directions. For debit cards, enter your PIN if prompted.
  3. Remove your card once prompted to do so.

Helpful Tips

  1. Don’t take your card out too soon. A chip-enabled terminal reads a chip card only when the card is in the terminal. Removing the card too early can interfere with your transaction. Make sure you leave your chip card in the terminal through the entire transaction and only remove it when prompted.
  2. Don’t leave your card behind. Because you leave your card in the terminal, it can be easy to forget your card is in the terminal and leave it behind. Remember to take your card with you when you’re done.


Zions Bank is here to help you make the most of your chip card. Read the Chip Card FAQs or call 800-840-4999 for more information.


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This page was last modified on Thu Oct 19 14:18:46 MDT 2017