Chip-enabled debit cards

Better protection from fraud

Chip-enabled debit cards offer enhanced security and protection — and peace of mind.

You can expect to receive your new debit card with chip technology about a month before your current card expires. It will be mailed to the address associated with your RBC Bank (U.S.) account.

Use your chip-enabled debit card to pay for just about anything.

From your morning latte to movie tickets, your debit card is perfect for smaller purchases. Plus you can get cash at thousands of no fee ATMs¹ or choose cash back at major retailers. Just select “debit” and enter your Personal Identification Number (PIN) and follow the prompts.

 Like the debit cards used in Canada today, the embedded microchip on your card will be encrypted and virtually impossible to replicate.

 It will take time for all U.S. merchants to set up chip-enabled terminals. To ensure your RBC Bank Visa‡ Debit card can be used everywhere Visa is accepted, your card also includes a magnetic stripe on the back of the card. The magnetic stripe allows you to use your card where chip terminals are yet not in place.

Follow these steps when you make a purchase at a chip-enabled terminal:

  1. Insert your card into the terminal, chip side first.
  2. Leave your card there for the entire transaction. Removing the card too soon will terminate the transaction.
  3. Follow the terminal prompts.
  4. When the transaction is complete, remove your card and verify the transaction with your signature, if needed.


I haven't received my new chip-enabled card. When will I receive it?
You can expect to receive your new debit card with chip technology about a month before your current card expires. It will be mailed to the address associated with your RBC Bank (U.S.) account. If you need to update your mailing address, please update it in Online Banking or call 1-800-769-2553 to speak with an advisor. 

Will my card information change?
Your existing debit card number and PIN will not change. However, the expiration date and security code on the back of your card will change.

I have recurring payments set up on my current RBC Bank Debit card account. Will those be affected by the change to a chip-enabled debit card?
Your debit card account number will not change, however you should notify automatic payment merchants of the new expiration date on your card.

If asked to enter a zip code when using my chip-enabled debit card, what should I enter?
Some U.S. merchants, such as pay-at-the-pump gas stations and self-pay kiosks, often require you to enter a U.S. zip code to complete your transaction. Enter the U.S. zip code associated with your card or if you have a Canadian address associated with your card, we suggest entering the three digits of your Canadian postal code followed by two zeroes or paying inside. 

Where can I use my chip-enabled card?
Your new chip-enabled card will be accepted worldwide wherever you see the Visa or NYCE logo, including ATMs, just like your card is today.

What if a merchant terminal is not yet chip-enabled? Can I still use my card?
Yes, you can still swipe your card to pay for purchases.

What should I do with my old debit card?
Upon receipt of your chip card, activate it immediately and destroy your old card. 

Are there additional fees associated with chip-enabled cards?
No. This upgraded technology is provided by RBC Bank at no cost to you.

Can I use my chip-enabled card at ATMs?
Yes. Your chip card is accepted at ATMs.

Will my chip card be accepted overseas?
Yes. Your chip card is accepted overseas and provides you greater security while traveling. To pay for purchases at merchants without chip-enabled terminals, simply swipe your card and sign the receipt if needed.


‡ All other trademarks are the property of their respective owner(s).

1 Standard account fees and transaction limitations will apply.