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State Farm® Visa® Cards with Chip Technology

State Farm Bank® is converting its Visa credit and debit cards to feature an embedded chip that improves security when used at a point of sale (POS) or ATM that is chip enabled. Chip technology will soon become the security standard in the U.S. because it has proven successful in reducing counterfeit fraud in over 130 countries around the world. Chip technology is the next step in providing you enhanced security. 

State Farm Bank® deposit accounts are FDIC insured.

What is a chip card?

A chip card is a standard sized credit or debit card that contains an embedded microchip as well as the traditional magnetic stripe.

 

How does it work?

When you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. The microchip will generate a single-use code that will validate the transaction.

 

Where can I use my chip card?

Since your card has both a magnetic stripe and an embedded chip, you can use your card anywhere Visa cards are accepted.

Chip-enabled terminals are common in most foreign countries, but the United States has just started this transition. You will be seeing more and more merchants convert to the chip-enabled terminals.


How do I use my chip card?

The checkout process on a chip-enabled terminal is slightly different than usual. Your card can now be used four convenient ways:

  • At most merchants, who are not yet chip-enabled – Nothing changes. You can still swipe your card to pay just like you have in the past.
  • At a retailer or merchant that has a chip-enabled terminal-
    1. Insert your card face-up into the terminal and follow the prompts on the screen.
    2. Leave the card inserted into the terminal during the entire transaction. Removing the card before completed will interrupt the transaction.
    3. For most purchases, you will be prompted for a signature to complete the purchase.
    4. Remove the card when prompted and take your receipt.
  • For phone or online transactions – Nothing changes. Simply provide the same information you do today to complete your transaction.
  • At an ATM – Nothing changes. With a PIN, you can use your card to access your account at any ATM. At chip-enabled ATMs, simply leave your card in the machine until your transaction is complete.

Frequently Asked Questions


Chip technology will soon become the security standard in the U.S. because chip technology has proven successful in reducing counterfeit fraud in over 130 countries around the globe, including Canada and Mexico, as well as most of Europe, South America and Asia.


Yes. Chip technology 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 code that is generated that determines if the card is authentic. This makes the card more difficult to counterfeit or copy.

Chip technology is the next step in providing enhanced security to our customers.



No. Chip cards won't prevent a data breach. However, they will provide an additional layer of security to help reduce counterfeit fraud.


No. As the industry develops new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards will provide an additional layer of security at chip-enabled terminals, on top of the fraud monitoring that we provide today.


If a retailer or merchant has a chip-enabled terminal, simply insert your chip card face-up into the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts on the terminal. 

You will be prompted for a signature to complete the purchase.



Since your card has a magnetic stripe and an embedded chip, you can use your card anywhere Visa cards are accepted.


No. Your new embedded chip card replaces your old card. It still provides all the same features and benefits you currently receive. To properly dispose of your old card, you should shred or cut it up.


Anytime you receive a new card, contact the merchants that you have set up recurring credit card payments with to update your card information.


Credit Cards  

To set a travel notification for your State Farm® Visa® credit card, sign into your account via statefarm.com®, click on the Account Maintenance tab, and then select the Travel Notification link to submit your request. If you don't have access to your account via statefarm.com, initiate a travel notice by calling 877-SF4-VISA (877-734-8472) and speaking to a State Farm Bank associate. When traveling abroad, please contact us toll free at 877-SF4-VISA (877-734-8472) or internationally at 706-644-0852 (you can call collect). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services.

Debit Cards  

We recommend that you set a travel notification on any card(s) you plan to use when traveling, so your card service isn't interrupted. To initiate a travel notification for your State Farm Bank® Visa® Debit Card, please call us toll-free at 877-SF4-BANK (877-734-2265), if you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services, or fill out the banking inquiry form after logging into your account on statefarm.com. For your protection, please do not include sensitive personal information such as social security number, credit/debit card number, or health/medical information when using the banking inquiry form.



When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks, gas pumps) will require a PIN. However, this type of PIN technology is different than what you normally use for cash ATM PIN transactions in the U.S. and the card won't be accepted. In these situations, please locate an attended terminal to complete your transaction or plan for an alternative payment method, such as local currency.


No. There are no additional fees associated with chip cards.


When will I receive my chip card and what is changing?

State Farm Bank® began a phased in approach to issuing State Farm® Rewards Visa®, State Farm® Good Neighbor Visa®, and State Farm Bank® Business Visa® credit cards with chip card technology in June 2015. If you have one of those card types, you should receive a chip card when your current card expires or needs to be reissued. Until then, use your standard card with the magnetic stripe.

Starting spring of 2016, State Farm Bank will begin a phased in approach to issuing State Farm Bank® Visa®Debit Cards with chip card technology. If you have one of those debit card types, you should receive one in 2016. Your new chipped debit card will have a new card number and expiration date. To properly dispose of your old card, shred or cut it up as soon as the new card has been activated. However, until you receive your new card, continue to use your standard card with the magnetic stripe.


State Farm Bank®, F.S.B., Bloomington, Illinois ("Bank") is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting statefarm.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265); If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Bank®
Member FDIC
Equal Housing Lender