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Something special is on the way! is getting a whole new look on May 1, with great features that make everything easier to find. We can’t wait to show you what we’ve been working on.

EMV Chip Card FAQs

About the Chip

What does the EMV chip do? 

The new chip on your card provides additional security when used at terminals and ATMs that are chip-enabled. Each transaction is encrypted, which increases the security of your data.

This means you can pay for everyday purchases in a safer and more secure way.

Using Your New Card

How do I use my EMV card at stores? 

In the months and years to come, more of the places you shop will have chip-enabled terminals. Here’s how to use your card:

FB_EMV_Step1_thumbStep One
Insert and leave your card in the terminal until prompted to approve the transaction.
FB_EMV_Step2_thumbStep Two
Approve the transaction as you normally do.
FB_EMV_Step3_thumbStep Three
Three Remove your card once the terminal says it is safe to remove the card.

Can I use my card at an ATM? 

Yes, once you’ve requested a PIN (see below), you can use your card at any ATM.

How do I request a new PIN? 

You can now change your First Bank Credit PIN anytime—24 hours a day, 7 days a week—by phone.
Although this is especially ideal for those who are planning international travel, in the United States a PIN is not necessary to process purchase transactions.

Call 888-891-2435 from telephone number listed when you set up your account. In order to change your Credit Card PIN, you will need to provide the following information:

  • Your card number
  • The last four (4) digits of social security number or tax ID number
  • The five (5) digit zip code
  • The three (3) digit code on the back of the card near the signature line
  • The four (4) digit PIN of your choice

All new credit card holders will need to select a PIN. For reissued cards, you only need to activate the card, it is not necessary to change your PIN unless you wish to.

Note: your PIN can only be changed once per day. PINs can also be changed to a previously-used PIN.

Making Payments

I have reoccurring payments with my old card. Do I need to set up my new card to replace them? 

Yes. If you have recurring or automatic payments set up on an old credit card, please contact those merchants with your new card information.