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