Chip Cards

A more secure way to pay

Use your chip-enabled BB&T credit or debit card for purchasing peace of mind.

Easy to use

Simply insert the chip end of your card into the terminal with the chip facing up, leave it in the terminal while you use the keypad to complete the transaction, then remove your card when prompted.

Enhanced security

You'll have enhanced fraud protection when using a BB&T chip card at a chip-enabled terminal. It generates a unique code with each transaction, reducing the risk of stolen data being used fraudulently.

Global acceptance

More than 130 countries around the world, including Canada, Mexico and most European countries, accept chip cards. You can also still swipe them to pay anywhere a chip-enabled terminal is not available.

Chip card technology

See how easy it is to make secure purchases with a chip card.

Frequently asked questions

What is a chip card?

Along with increased global acceptance, your BB&T credit and debit cards include an embedded microchip that provides an extra layer of fraud protection for in-person point-of-sale transactions when making purchases at merchants who use chip-enabled terminals.

Is there an additional fee for a chip card?

No. We provide this added security feature at no additional cost.

How does my BB&T chip card work?

Instead of swiping your card, just insert the chip end of your card into the terminal with the chip facing up. Leave your card in the terminal and follow the prompts on the screen. Remove your card from the terminal when indicated.

  • Debit cards - You can either sign for purchases or enter your PIN.
  • Credit cards - You simply sign for purchases—you don't enter a PIN. Credit card PINs are used for cash advances at branches and ATMs.
Why do I need to leave my card in the terminal?

The chip in your card adds an additional layer of information protection. While your card is in the chip-enabled terminal, the embedded microchip creates a unique transaction code that reduces the risk of stolen data being used fraudulently. If you remove your card too soon, your transaction will be canceled.

Can I swipe my card to pay?

Yes. If a merchant terminal is not equipped to read the chip, you'll need to swipe your card. Merchants who accept credit and debit cards must accept all valid cards regardless of whether the card has a chip.

If you swipe your credit or debit card and the terminal has chip technology turned on, you'll be prompted to insert your chip card into the card slot.

When can I use my chip card?

Your BB&T chip card still includes a magnetic stripe, so you can use it anywhere, even if the merchant doesn't have a chip-enabled terminal. Merchants are actively installing chip-enabled terminals at their locations. Chip cards are currently in use or are being implemented in more than 130 countries, including Canada, Mexico and most European countries.

Can I access my account at an ATM with my chip card?

Yes. You can use your chip card at the ATM to get cash, check your balance, transfer funds and more. Remember to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

What if a merchant processes transactions with a method other than a standard terminal, such as mobile, software POS, online or over the phone?

Chip technology only affects in-person transactions. If a transaction isn't in person, such as with online payments through a shopping cart, the transaction won't process as a chip transaction. However, you can still use a chip credit or debit card number to make online purchases.

Is a credit or debit card that doesn't have a chip still considered a secure means of payment?

Yes. Whenever and wherever you use a BB&T credit or debit card, whether it has a chip or not, you are always protected with Zero Liability coverage.1,2

Will the use of chip cards prevent data breaches?

Chip card technology provides an additional layer of security to help minimize data breaches. While this technology can't prevent all security breaches, a secure payment technology is an important first line of defense.

Ready to get started?

By phone

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Credit cards: 800-476-4228

Debit cards: 800-226-5228

In person

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Are you a business owner interested in accepting chip cards?

Find everything you need to know about merchant EMV chip card technology, exclusively for business owners.

  • If you're not currently processing with us, you can contact a member of our sales team for more information on EMV chip card acceptance solutions at 866-238-2420, Monday through Friday, between 8:30 am and 5:15 pm ET.
  • If you're an existing BB&T Merchant Services client interested in exploring upgrade options, contact our Client Support Center at 877-MERCH-BBT (877-672-4228), Monday through Friday, between 8:30 am and 5:30 pm ET or email us at UpgradeMyTerminal@BBandT.com.

1BB&T Zero Liability coverage provides protection to our cardholders against unauthorized transactions using BB&T debit cards or debit card numbers as long as BB&T is notified promptly. Please refer to our Electronic Fund Transfer Agreement and Disclosures for complete details.

2Zero Liability (opens in a new tab) credit card benefits are provided by Visa®. Certain restrictions apply.

BB&T Merchant Services are subject to business type and credit approval.

Branch Banking and Trust Company, Member FDIC.