Activate your debit card for anytime access to your money.
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The next generation of secured debit cards is here. Our Mastercard® Debit Cards feature embedded chip technology, the global standard of protection against fraud and theft, so you can conduct transactions and withdraw money with greater peace of mind. In fact, international travel is now increasingly hassle-free because chip technology is accepted worldwide.
Learn more about our Mastercard® Debit Card: Personal | Business
These debit cards are similar to previous versions, with one crucial difference. Your card number, name and other account information are stored on a highly secured microchip.
The microchip creates an added layer of security compared to a magnetic stripe card by generating a unique, one-time code that is required to approve every transaction. Because this code changes every time, it’s more difficult to copy or counterfeit your card.
You don’t need to change much when using your Mastercard® Debit Card with the microchip. As merchants continue to transition to chip-enabled card processing terminals, your chip card will still work at terminals designed for magnetic stripe cards.
When you do business with a merchant using a chip-enabled card processing terminal, here’s how you use your Mastercard® Debit Card:
STEP 1: Insert your card with the chip toward the terminal, facing up. Do not remove until prompted.
STEP 2: Provide your signature or PIN, as prompted. Some transactions may not require this step.
STEP 3: Remove your card when the machine indicates the transaction is complete.
Starting October 1, 2015 we will begin issuing chip cards to customers as their debit card comes up for reissue, which will occur over the next two years. Additionally, if you lose your current debit card or it needs to be replaced for any reason, you will receive the new chip card.
If you have any questions, please visit your nearest branch or call 1-800-UCBANK1 (1-800-822-2651).