Activate your ESL Debit Chip Card Today for a Safer Way to Pay In-Store.

Greater in-store purchase protection at chip-enabled terminals.

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  • Activating is Easy

    Activating your debit chip card is easy! Simply, call the phone number that’s located on the front of your debit card from the phone number that is associated with your ESL account and follow the prompts.

    Once you have activated your chip card, be sure to contact any merchants who automatically bill your account and advise them of your new expiration date and 3-digit security code.

    And, good news, your PIN will not change!

    If you don’t remember receiving your chip card, or it’s been misplaced, please contact us at your earliest convenience for a new card.

     
  • How to Use It

    Your experience may vary from merchant to merchant.

    1. If a chip-enabled terminal is available, you should insert the chip end of your card into the terminal with the chip facing up.
    2. Leave your card in the terminal during your transaction to allow time for the authentication process.
    3. Remove your card from the terminal once the transaction is complete.

    Watch this video to see how to use your chip card:


    Use Your ESL Chip Card Everywhere

     
  • FAQs

    The answers to the most common questions people have about chip cards are listed below. Click here to view our complete list of Chip Technology FAQs.

     

    What is a chip card?

    Chip cards, sometimes referred to as EMV chip cards, are the latest in technology to help mitigate the risk of fraud for in-store transactions. The chip card contains a microchip that adds an additional layer of security.

    How does chip technology protect my information?

    When making in-store purchases and your ESL chip card is used with a chip-enabled terminal, the chip produces a unique code that cannot be duplicated to validate your purchase. Because the transaction is verified using the unique code and not your card information, the merchant can’t store your card and/or personal information in their system. This keeps your account information safer and drastically reduces the chance of card cloning, data breaches, and other fraudulent activity.

    Do I need to request a chip card?

    No, ESL issued debit and credit chip cards to all of our cardholders.

    If you don’t remember receiving your chip card, or it’s been misplaced, please contact us at your earliest convenience for a new card.

    Once I activate my chip card, is there anything else I need to do?

    Please contact any merchants who automatically bill your account to update the expiration date and 3-digit security code.

    Are there any fees associated with getting or using a chip card?

    No.

    Will any of my account information change?

    Your account number and PIN will remain the same, but you will need to contact any merchants who automatically bill your account to update the expiration date and 3-digit security code.

    How does chip technology impact online, phone, and ATM transactions?

    Chip technology is not used to validate online, phone, or ATM transactions. These transactions are validated using the card number, expiration date, and 3-digit security code.