Where can I use my chip card?

You can use your new chip card anywhere Visa is accepted. You simply insert the card into card terminals that are chip-enabled or swipe your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments and telephone payments.

Will chip cards prevent third-party data breaches?

No. Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

What is a chip card?

Chip cards contain an embedded microchip, which provides enhanced security by making it extremely difficult to counterfeit or copy when making transactions at a chip-enabled terminal. Your chip card will also have the usual magnetic stripe on the back so that you can continue to swipe your debit card or credit card while merchants are transitioning to new chip card terminals. Chip technology is also more broadly accepted internationally.

What if I have questions about my Visa chip card?

Please don't hesitate to call us at 1-800-697-0049.

What if I go to a merchant but they have not yet installed chip enabled terminals?

That's OK. You will still be able to use your chip card as you do today where chip-enabled terminals are not yet installed.

Is an EMV card the same thing as a chip card?

Yes. Chip cards are commonly referred to as EMV (Europay, MasterCard and Visa) cards, smart cards and chip and pin cards.

Do I need a Pin to make a purchase with my debit card?

Heartland Bank does not require you to use a pin with your debit card purchase; however, the merchant could make it a requirement. If you do not know your pin, please call us at 800-697-0049 and we will assist you with obtaining your pin.

Do I need a PIN to make a purchase with my credit card? What is Chip & Signature and Chip & PIN?

No. You have a Chip & Signature card, so you should not need a PIN to make purchases with your credit card. The term 'PIN' or 'Signature' simply refers to how you will authorize the transaction - by entering a PIN or by providing your signature. When using your Heartland Bank VISA chip credit card, you'll be prompted for a signature to complete the transactions.

Are chip cards more secure?

Yes. The chip generates a unique, one-time code each time you 'dip' your Heartland Bank Visa card at a chip-enabled terminal - this typically takes about 10 seconds. Chip card technology is already used in other countries around the world. It's been reported that chip cards and chip enabled terminals are expected to reduce debit card and credit card fraud by as much as 40%.

When will I receive my Visa debit card?

If you requested a Visa debit card with your new account, you will receive your new debit card 7-10 business days after your account opening is finalized.

How can I request a replacement card for an existing debit card or ATM card?

You can request a replacement debit card by calling Client Services at 1-800-697-0049. You can also visit your local Heartland Bank branch to request a replacement debit card or ATM card.

How do I report a lost or stolen debit card?

Please call 1-844-202-5076 to report a lost or stolen card. Use CardValet to control debit and credit card usage.

How can I avoid a fee when using my debit card at an ATM?

Visit any Heartland Bank ATM or any ATM listed by MoneyPass.Our MoneyPass ATM Network has thousands of convenient locations coast to coast, giving you more choices for accessing your accounts, and all are surcharge-free! This means that you can use your Heartland Bank debit card at all non-Heartland ATMs that display the MoneyPass logo, and you won’t be charged a surcharge fee by that institution.

Are there charges associated with using my Heartland Bank debit card outside Central Ohio or the United States?

  • If you use your card and PIN at a non-Heartland Bank ATM, a fee may be imposed by the operator of that ATM, and you may also be charged a fee by any national, regional, or local network utilized to effect the transaction.
  • Visa debit card customers will be charged a Visa International Transaction Fee of up to 1% of the purchase amount on any debit card purchase, completed in person or online, made through merchants located outside the United States.