Our systems indicate that you are using an older version of Internet Explorer that may not fully support our online services. Upgrade your browser to optimize your online banking experience.

Talk with us:
(800) 773-7100

Our Mission

City National's mission is to provide the ultimate banking experience for successful entrepreneurs and professionals through an uncommon dedication to extraordinary service, proactive advice and total financial solutions.

CHIP TECHNOLOGY FOR CREDIT CARDS FREQENTLY ASKED QUESTIONS

About Chip Cards

  1. What is a chip card?
  2. Where are chip cards used now?
  3. What does a chip card look like?

CHIP-ENABLED CREDIT CARDS AT CITY NATIONAL

  1. Why is City National sending me a new credit card with a chip in it?
  2. How will my new chip card benefit me?
  3. Are there any additional fees for my new chip card?
  4. Do all City National Visa credit cards have chip technology?

Using Chip Cards

  1. How do I make a purchase with my chip card?
  2. How do I use my chip card at an ATM?
  3. Can I continue to use my existing PIN with my new chip card?
  4. Can I use my chip card for Internet, mail or telephone purchases?
  5. Will my chip card work outside the United States?
  6. Now that I have a chip card, should I continue to notify City National when I travel internationally?

Safety, Securitity and Visa Zero Liability

  1. What information is on a chip card?
  2. Are chip cards safer to use than magnetic stripe cards?
  3. Does this mean that a magnetic stripe card is not secure?
  4. Can the chip in my card get damaged?
  5. Will my new chip card be covered under the Visa Zero Liability policy?

Questions

  1. Who do I contact if I have questions?

About Chip Cards

1. What is a chip card?

Chip cards, also known as "EMV" or "smart" cards, contain an embedded microchip which stores the same information as the magnetic stripe on the back of the card but is encrypted to provide enhanced security and protection against fraud.

Chip cards have been used in many countries around the world for many years to provide enhanced protection from fraudulent activity. They are becoming more common in the United States as issuers and merchants work to adopt chip technology by October 1, 2015, at which time the rules and responsibilities governing merchant and issuer liability are changing. For more information about this “liability shift”, please click here.

2. Where are chip cards used now?

Today the United States has relatively few chip-enabled ATMs and merchant terminals in use, but they are becoming more prevalent. Around the world, chip technology is currently in use or is being implemented in 130 countries. In some countries, particularly in Europe, merchants may be more familiar with accepting chip chards than magnetic stripe cards.

3. What does a chip card look like?

Many features of a Visa® chip card are the same as a magnetic stripe card. Both cards are embossed on the front with the card number, cardholder name and expiration date, and provide the three-digit security code on the back of the card. The key difference is the embedded chip on the front left side of the card.

Chip Cards at City National

1. Why is City National sending me a new credit card with a chip in it?

By adding a chip to magnetic stripe City National Visa credit cards, City National can help protect your transactions from fraudulent activity while also simplifying your purchase experiences when you’re traveling outside the United States where chip cards are the norm.

2. How will my new chip card benefit me?

The chip card comes with the same security and protection you expect from your existing City National Visa Credit Card, plus the peace of mind that your card provides enhanced protection against fraud and will be accepted at chip-enabled ATMs and merchant terminals.

3. Are there any additional fees for my new chip card?

No, there are no additional fees associated with the new chip cards.

4. Do all City National Visa credit cards have chip technology?

No. Chip technology is not available on the City National Visa Platinum Card without City National Rewards. All other City National Visa personal and business credit cards come with chip technology.

Using Chip Cards

1. How do I make a purchase with my chip card?

At merchants with chip-enabled terminals:

  • Insert the chip end of your card into the terminal with the chip facing up.
  • Keep the card in place and follow the prompts on the screen. You will be prompted to either enter your PIN or sign for your transaction.
  • Remove your card when directed and take your receipt.
  • Note: Some merchants may insert and remove your card for you, and present a merchant receipt for you to sign.

At merchants that do not have chip-enabled terminals, just swipe your card as you normally would.

2.  How do I use my chip card at an ATM?

Simply follow the instructions and prompts at the ATM.

3. Can I continue to use my existing PIN with my new chip card?

Yes, the PIN for your new chip card remains the same.

4. Can I use my chip card for Internet, mail or telephone purchases?

Yes, you may use your new chip card the same way you currently use your magnetic stripe card for Internet, mail and telephone purchases.

5.  Will my chip card work outside the United States?

Yes, your new card will work anywhere merchants are processing Visa credit card transactions using chip terminals or magnetic stripe terminals. Visa chip credit cards can be used anywhere in the world where Visa credit cards are accepted.

6. Now that I have a chip card, should I continue to notify City National when I travel internationally?

Yes, you should continue to provide City National with advance notification of plans to use your City National Visa chip card when traveling overseas.

Safety, Secutity and Visa Zero Liability

1. What information is on a chip card?

The microchip embedded in the card stores information required to authenticate, authorize and process transactions. This is the same type of information already stored in the magnetic stripe. No personal information about your account is stored on the chip card.

2. Are chip cards safer to use than magnetic stripe cards?

Chip cards provide a higher level of security when used at chip-enabled terminals. The encrypted chip uses several measures that create a complex and dynamic level of security, making a chip card difficult to copy or counterfeit.

3. Does this mean that a magnetic stripe card is not secure?

You should be confident about the safety and security of using magnetic stripe cards. Converting to chip technology is the next step in electronic payments to enhance card safety.

4. Can the chip in my card get damaged?

The new chip card is just as durable as the old magnetic stripe card.

5. Will my new chip-enabled check card be covered under the Visa Zero Liability policy?

Yes, your new chip-enabled card is protected under the Visa Zero Liability policy.

Note: The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, and certain Commercial Card transactions. You must notify City National Bank promptly of any unauthorized use. Visit www.visa.com for additional details.

Questions

1. Who do I contact if I have questions?

Please call the Customer Service number printed on the back of your card, or contact your Relationship Manager.