Wells Fargo Chip Cards

A more secure card. It’s that simple.

Introducing chip technology with increased fraud protection

More secure

Each time you insert your chip card into a chip-enabled terminal, a unique security code is generated. This makes it extremely difficult for anyone to reuse your information and better protects you against counterfeit fraud.

Simple to use

Using a chip card is a little different from how you’ve used your card in the past, but it’s just as easy. (And you can still use the magnetic stripe on the back of your card if the terminal isn’t chip-enabled.)

Accepted globally

Many countries worldwide have already adopted this technology, and it will soon become the standard in the U.S. as well.

 
Here's how it works
1. Insert your chip card into the terminal.
2. Sign or enter your Personal Identification Number (PIN) if prompted.
3. Wait for your transaction to end and remember to remove your card.

Or, if a chip-enabled terminal isn’t available, just use the magnetic stripe as you normally would.

Existing card customers

Chip cards provide added security against counterfeit fraud when used at chip-enabled terminals. The chip also helps you use your card internationally, where chip technology is already in place.

We are replacing existing Wells Fargo cards with chip cards over time. Each card type has a different schedule for moving to the new technology.

If you’d like to request a chip card now, simply call the number on the back of your card and find out if your card is available with chip technology.

Don’t have a Wells Fargo card?

If you are applying for a new Wells Fargo credit card, you’ll automatically receive a chip card when it’s issued. Apply for a personal credit card or a business credit card.

Request a personal debit or prepaid card by calling 1-800-869-3557, or 1-800-225-5935 for a business debit card.

Wells Fargo is committed to keeping your information safe and providing you with the latest in fraud protection. If you have any questions, call us 24 hours a day, 7 days a week, at the number on the back of your card.

About chip cards

What is a chip card?

A Wells Fargo card with chip technology provides enhanced security and protection against counterfeit fraud when used in a chip-enabled merchant terminal or ATM. All cards will continue to include the magnetic stripe, so you can still use your card at ATMs and merchant terminals that aren’t chip-enabled.

What are the benefits of a chip card?

A chip card offers:

  • Security. Each time you insert your card into a chip-enabled terminal or ATM, a unique security code is generated, making it extremely difficult for anyone to reuse your information. This technology better protects you against counterfeit fraud, and gives you a more secure experience during your transaction.
  • Global acceptance. Many countries worldwide have already adopted this technology, and it will soon become the standard in the U.S. as well.
  • Simplicity. A chip card is easy to use. Simply insert it into a chip-enabled terminal or ATM and follow the on-screen prompts to benefit from your card’s enhanced security. You can also use the magnetic stripe on the back of your card as you have in the past if the terminal or ATM is not chip-enabled.

What information is stored in the chip?

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

Safety and security

Is the chip card more secure?

Yes. Each time you insert your card into a chip-enabled terminal or ATM, a unique security code is generated, making it extremely difficult for anyone to reuse your information. This technology better protects you against counterfeit fraud, and gives you a more secure experience during your transaction. The card also continues to come with the built-in security of Wells Fargo’s fraud monitoring and Zero Liability protection for promptly reported unauthorized transactions.

Is my personal information vulnerable if my chip card is lost or stolen?

If your card is lost or stolen, promptly contact us so we can issue you a new one. Note that no personal information is stored on the chip; it contains information used to process your transactions at a merchant terminal or ATM.

Does the chip provide enhanced security if I use the magnetic stripe on my card or use it online for purchases?

No. A chip card must be inserted into a chip-enabled terminal to provide enhanced security and protection against counterfeit fraud.

Getting a chip card

Do I need to request a chip card or will Wells Fargo automatically send me one?

New credit card customers will automatically receive a chip card. We will replace existing Wells Fargo cards with chip cards over time. Each type of card has a different schedule for moving to the new technology. You can find out if your card is available with chip technology by calling the phone number on the back of your card.

Will my card number change?

Unless your card has been reissued because it was lost, stolen, or compromised, your card number will stay the same with the chip card.

Will my expiration date and security code change?

Yes, both your expiration date and security code will change when you get your new chip card. If you have recurring payments assigned to your card, you will need to provide those companies with your new expiration date and security code to avoid any disruption in service.

Are there any additional fees associated with the chip card?

No, the chip comes with your new card at no additional cost.

Using a chip card

Can I use this card at locations without a chip-enabled terminal or ATM?

Yes, you can continue to use the magnetic stripe on the card at merchants and ATMs that do not yet have chip-enabled terminals. You can also make purchases online, over-the-phone, or by mail.

How do I make purchases using my chip card?

When paying using the chip card:

  1. With the chip facing up, insert the chip end of your card into the terminal.
  2. Follow the prompts on the terminal screen, and if necessary, enter your Personal Identification Number (PIN).
  3. Keep the card in the terminal throughout the transaction, or the transaction will be canceled.
  4. When your transaction is complete, remove your card.

How do I use my chip card for phone or online transactions?

Complete phone or online transactions the same way you would with a magnetic stripe card. Simply provide your card information and complete your transaction.

When will I be prompted for a Personal Identification Number (PIN)?

Credit cards: for most purchase transactions you will sign as you have in the past. Your PIN is always required for cash advances at the ATM and may be required at some unattended terminals worldwide such as ticket kiosks, parking lots, and gas stations.

Debit cards, prepaid cards, and HSA cards: your PIN is required for ATM transactions. For purchase transactions, you’ll be prompted to enter your PIN or to provide a signature as you normally would to verify the transaction.

Chip card in action

See what makes a chip card different and how to use it.

Watch the video