Debit Cards

Benefits Of The York Traditions Bank Chip-Enabled Debit Card: 

  • Can be used virtually anywhere MasterCard® is accepted in the U.S. and around the world!
  • Used like an ATM card
  • Only one card to carry
  • Provides an easy way to pay
  • Reduces the need for check writing
  • Reduces the need to carry cash
  • Surcharge-free withdrawals through the MoneyPass® ATM network!

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York Traditions Bank is part of the MoneyPass surcharge-free ATM network, with nearly 25,000 ATMs coast to coast – and the network continues to grow! Since each and every MoneyPass ATM is surcharge-free, you won’t have to worry about paying a fee to York Traditions Bank or any other bank in the MoneyPass network in order to access your money.

For a list of MoneyPass ATMs, visit www.moneypass.com. For even greater convenience, access the ATM Locator on the MoneyPass Facebook page or by using the free app for iPhone or Android.

 

Lost or Stolen Debit Card?

It is important that you report it to the Bank as soon as possible. Click here for important Emergency Contact Numbers


Already have a York Traditions Bank Debit Card? Your new Chip-Enabled Debit Card is coming soon!

York Traditions Bank is in the process of issuing Chip-Enable Debit Cards to all current Debit Card holders. Find out more about Chip Cards by watching the video tutorial on the left side of this page, or by reading through our Frequently Asked Questions below!

What are Chip Cards?

A chip card – also called a smart card or an EMV card – is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards, already in use in much of the world, use a
security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.

Is a Chip Card more secure than magnetic stripe cards?

Yes. Chip cards add an additional layer of security to the safeguards that already protect cards. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit a card or to use it fraudulently for in-store purchases.

What information is on the chip?

The chip contains information about a your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

Can a chip card be used anywhere?

Yes. Chip cards can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. You will still be able to ‘swipe’ your card to make a payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.

How do I use a chip card?

Start the payment process by swiping your card. If the merchant’s terminal is chip-enabled, you will be prompted to insert your card.

  1. Insert the card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

If the terminal is not chip-enabled, the transaction will process as it normally does from the initial swipe.

What if a merchant doesn’t have a chip-enabled terminal?

For merchants without chip-enabled terminals, you will ‘swipe’ your card through the terminal, as was previously done.

Can I still use my current card?

You can use your current card until you receive a new chip card. At that time, you should activate the new chip card and start using it. You should destroy your old card by cutting it up or shredding it.

Do I need to sign the back of the card?

Yes. You still need to sign the back of your card.

Can a chip card be used to make purchases online or by phone?

Yes. There is no change to that process. Chip cards can be used to make these purchases the same way as you currently make them.

Can chip cards be used at an ATM?

Yes. For ATM transactions, insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released. Then remove your card and any money you may have withdrawn.

What is the difference between chip and signature and chip and PIN?

You may be asked to provide your signature or enter your PIN to complete a transaction when using your card. You will need to use your PIN at ATMs and it might be required at some unattended card terminals such as fuel pumps and payment kiosks.

What happens if my chip card is lost or stolen?

  • Report a lost or stolen card promptly by calling the toll-free number listed on the back of your card. If you can’t access that number, call 717-741-1770.
  • Replaced cards will be issued with new account numbers.
  • Remember to update any automatic payments with your new card number.

Will chip cards prevent data breaches?

While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Can I be tracked with my EMV card?

No. Chip cards contain no tracking information.

When will I receive my new York Traditions Bank chip-enabled debit card?

You can expect to receive a replacement debit card with chip enabled technology in the mail by the end of the first quarter of 2017. Once received, activate your new card as soon as possible to take advantage of the enhanced security features. Once activated, your magnetic stripe card will no longer work.