Debit Card Flip


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Rollstone Bank & Trust will soon be issuing debit chip cards featuring a tiny microprocessor in the card. When used in a chip-enable terminal, that little chip provides an extra layer of protection for RBT card accounts. When you receive your card:

  1. Activate it immediately. It replaces your RBT Visa debit card, which will be deactivated within 2 weeks.
  2. Sign the back of the new card upon receipt.
  3. Begin using your new MasterCard debit card immediately. You will continue to use the same PIN as your old card.
  4. Contact merchants with which you have recurring payments in place, as your card will have a new number and expiration date. Some merchants will be automatically updated, but you should confirm that they received notification.


Below are some Frequently Asked Questions about the change to a chip card.

What is a chip card? A chip card, also called a “smart card” or “EMV card”, is a standard-size plastic debit or credit card that has an embedded microchip, as well as a magnetic stripe. The chip protects in-store payments because it generates a unique one-time code that is needed for each transaction to be approved. It is nearly impossible for fraudsters to replicate this feature in counterfeit cards, providing you greater security and peace of mind when making transactions at a chip-enabled terminal.

What information is stored in the chip? The chip contains information to process your transactions at a merchant or ATM. No personal information is stored on the chip.

How do I pay using my chip card? It’s simple. If the retailer has a chip-enabled terminal, simply insert the chip end of your card face up into the terminal. Leave the card in place until the transaction is complete. To authorize the transaction, just follow the prompts as you do today, such as signing or entering your PIN. If the retailer’s terminal is not chip-enabled, or they haven’t turned the feature on, just swipe your card like you currently do. Transactions made over the phone or online will not change.

Can I use my chip card for all the same things as my old card? Yes, you can still make purchases as you always have, as well as conduct transactions at ATMs.

Are chip cards secure? Yes. Chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature, the transaction is more secure because of the unique process used to determine the card’s authenticity. Magnetic stripes are still considered secure, but chip technology is the next step in providing enhanced security. As always, if you notice any suspicious activity on your account, notify us immediately.

Do I have a new PIN, now that I have a new card? No. For your convenience, the PIN on your new RBT MasterCard debit card is the same as the PIN for your RBT Visa debit card. Your card number and expiration date will change.

What if I have more questions? Contact us and we’ll be happy to answer them for you.