Smart. Easy. Secure.
Franklin Savings Bank has begun issuing Visa® EMV debit cards in phases to our customers. When using a chip-enabled terminal, the microchip inside your card will generate a unique code for each transaction, reducing fraud levels and making it more difficult to duplicate a card.
EMV (Chip-Enabled) Frequently Asked Questions
When will I receive my new Visa® EMV Debit Card from FSB?
EMV debit cards will be issued monthly and will be sent on the expiration month of your existing VISA®. For example, if your current debit card expiration date is 09/18, then you will receive your new chip card in September of 2017.
Will my new Visa® EMV Debit Card have the same card number?
Yes, your new EMV card will have the same card number. However, just like anytime you get a new card, you must notify any merchants that you have set up for automatic payments as you will have a new expiration date and a new 3-digit security (CVV) code on the back of your card.
How do I begin using my new chip card?
You can activate your card by calling 1.800.992.3808, perform an ATM transaction, or make a “debit” purchase by using your PIN.
Will my new Visa® EMV Debit Card have the same PIN number?
Yes. However, if you want to change you PIN, you can do so by calling 1.800.992.3808 or changing it at any ATM.
Will my new Visa® EMV Debit Card have my current photo/design?
You will receive a standard FSB debit card design with embossed numbers (raised numbers). If you would like to choose a different design option, please stop by any FSB office to see the various designs we have available and get an instantly issued debit card free of charge.
Will Franklin Savings Bank still monitor my Visa® Debit Card for fraudulent transactions?
Yes, you will have the same fraud controls that we’ve always provided to you. Please check out our CardValet® app to further protect yourself from debit card fraud.
Will I still need to notify Franklin Savings Bank of my travel plans?
Yes, please call 603.934.4445 or toll free 1.800.372.4445, or visit fsbnh.bank to fill out a Travel Notification Form to let us know of your travel plans and always remember to bring another form of payment when you are traveling.
Does it cost anything to have a Visa® EMV Debit Card?
There are no additional fees to having a chip-enabled (EMV) card versus a traditional card.
How does a Visa® EMV Debit Card work during a purchase?
1. Insert your chip card with the chip facing up toward the terminal and follow the prompts. The chip card remains inserted until the transaction is complete.
2. Sign or use your PIN as you normally would do to verify the transaction
3. Remove your card when the reader says the transaction is complete (usually you will hear a beeping sound).
How do I pay with my Visa® EMV Debit Card if the card reader isn’t chip-enabled?
If the merchant does not have a chip reader or it is not activated, you may continue to swipe your card as you do today.
Can I still use my old card?
Once you activated your new EMV card, your old card will no longer work. To properly dispose of your old card, you should shred or cut it up within 14 days of receiving (and activating) your chip card. If you have any automatic payments or transactions linked to your old card, remember to give those merchants your new card number, expiration date, and CVV (3-digit code on the back of your card), so your payment(s) will continue to be processed.
How does the EMV chip make my debit card more secure?
The chip in your card adds a layer of encrypted security by producing a single-use code to validate the transaction. Each time you do a transaction, this code is unique. This also reduces the opportunity for a data breach at a merchant as typical card information (card number, expiration date, CVV code) are not transmitted when a transaction is conducted. The chip in the card will make it more difficult to duplicate a card and use it fraudulently.
What information is stored in the chip?
The chip stores encrypted information needed to complete your purchase, such as the card number and expiration date.
Do I need to use a PIN number to make a purchase with my Franklin Savings Bank Visa® EMV debit card?
You will continue to have the option to do a “PIN” transaction where you’d be required to enter your PIN or you may choose the option to do a “Credit or Signature” transaction and have to sign for the transaction.
If a merchant card reader prompts for a PIN, it may allow you to “Cancel” so you can sign. You may also be able to select “Enter” or “Continue” to bypass the PIN request.
Can I still use my debit card at an ATM machine?
Yes. You can use your chip card at the ATM as you do today. FSB ATMs are currently being transitioned to the new EMV chip reader capability. Chip-enabled ATMs will hold your card for the duration of the transaction — so always remember to take your card when finished.
How can I further protect my account from debit card fraudsters?
Partner your new EMV chip card with CardValet® which will notify you within seconds of your card being used. You also have the ability to restrict certain card activity from your mobile phone. Also, check out our mobile wallet options and complete debit card transactions by using your phone’s touch id and your mobile wallet.