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New card. EXTRA protection.

Easy to Use

If a chip-enabled terminal is available, insert your card into the slot of the card terminal with the chip facing up. Keep your card in the terminal and follow the prompts on screen. Otherwise, swipe your card as you normally would.

Added Security

Chip cards and chip-enabled terminals work together to protect against in-store payment fraud. In addition, you’re protected with Visa®‘s Zero Liability Policy*.

Globally Accepted

Chip cards are based on a global card payment standard and are in use worldwide.
You can continue to use your Astoria Bank chip card at all of your favorites places and anywhere Visa is accepted, even for payments online or over the phone.

How to Use a Chip Card

Frequently Asked Questions

1. Why is Astoria Bank issuing chip cards?

Astoria is issuing chip cards, because chip technology when used at chip-enabled card terminals, offers advanced security for your in store and ATM transactions. Chip cards are secure payment cards that have an embedded chip, and that technology provides additional protection against fraud. Chip cards are based on a global card payment standard called EMV and are in use worldwide. EMV stands for Europay, MasterCard, and Visa, the three companies that originally created the new standard.

2. Why are chip card transactions more secure?

Chip cards and chip-enabled terminals work together to protect your in-store and ATM transactions. A unique one-time code is generated behind-the-scenes that is needed for the transaction to be approved — a feature that is virtually impossible to replicate in a counterfeit card.

3. I don’t have an Astoria Bank chip card; can I continue to use my current Debit Card?

Yes, merchants and ATMs will continue to accept your current magnetic stripe card until you receive a new Astoria Bank chip card.

4. What does a “chip-enabled merchant” terminal look like?

Chip-enabled terminals look very similar to typical retail payment terminals, with the addition of a slot to insert your card, which is typically located at the bottom or the top of the payment terminal.

5. Can I use my new chip card online or over the phone?

Yes. You can use your chip card for online and phone purchases by following the same process you do today.

6. Where can I use my new Astoria Bank chip card?

You can use your chip card anywhere Visa is accepted worldwide. You can also use your chip card for online and phone purchases by following the same process you do today.

7. When will I receive my new Astoria Bank chip card?

Starting February 2016, new Astoria Bank chip cards will be issued to all new account holders. In addition, current account holders who report their card lost or stolen will also receive a replacement chip card in the mail. Starting April 2016, Astoria Bank will start reissuing chip-enabled cards to existing account holders before their current card’s expiration date.

8. Do I have to use my new Astoria Bank chip card once it arrives?

Yes. When you receive your new Astoria Bank chip card, please activate your new card immediately and then call
1-800-ASTORIA to deactivate your old card. In addition, for security purposes, please destroy your old card once you confirm your new chip card is working.

9. How do I request a new Astoria Bank chip card?

If you are a current account holder and would like to request a new Astoria Bank chip card, please visit a branch or call 1-800-ASTORIA.

10. Can I still use my Astoria Bank chip card at merchants that don’t have a chip-enabled terminal yet?

Yes, you can use your new chip card anywhere Visa is accepted, because it also has a magnetic stripe. To complete a transaction, please follow your retailer’s instructions when prompted at your point of purchase.

11. When should I insert my Astoria Bank chip card and when should I swipe it?

The merchant or ATM provider typically determines how each transaction is processed. For terminals that do not currently support chip technology, you should continue to swipe your card. If the terminal is a chip-enabled terminal, the terminal will prompt you to insert the card into the chip slot instead. For payment over the phone or online, use your card just like you always have.

12. What should I do if my PIN number is not working?

As we continue to implement chip card technology, if you have any issue with your debit card PIN, call us at
1-800-ASTORIA, or visit a branch. If you are making a purchase and your PIN number is not working, you can typically ask the merchant to complete your transaction with your signature.

13. What should I do if I forget my PIN number or need to change it?

If you forget your PIN number, please call us at 1-800-ASTORIA and follow the prompts to change your PIN number, or visit a branch.

* Visa’s Zero Liability Policy covers U.S. – issued cards only and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify Astoria Bank immediately of any unauthorized use. Consult Astoria Bank for additional details.