New Standard, Greater Security

Your card has an embedded microchip that provides an extra layer of security with every transaction

Chip card technology : Helping you protect yourself while you shop

  • An embedded microchip on the front of your card that provides enhanced security features
  • Chip card transactions are the new standard in the U.S., and have long been the norm in Asia and Europe
  • Your card still has a magnetic stripe in case some merchants are not equipped to handle chip card transactions
First Hawaiian Bank Chip Card Technology
 

What is a Chip Card?

Enhanced Security

The embedded chip in your new card generates a unique, one-time code for each transaction. This code makes it difficult for fraudsters to counterfeit your card.

Global Acceptance

Many countries have already transitioned to EMV technology, so using your card while traveling abroad will be easier and more secure.

EMV Technology for Greater Peace of Mind

With enhanced security on the chip card, you will have an added layer of protection on your personal accounts.

How it Works

Step 1: Insert Card
Step 1.
Insert chip card

At chip-enabled terminals, insert your card with the chip toward the terminal, facing up. Do not remove until prompted.

Step 2: Enter PIN or Sign
Step 2.
Enter PIN or sign

Provide your signature or PIN as prompted by the terminal. Depending on the transaction total and the merchant's point of sale system, you may not have to provide either one.

Step 3: Remove Chip Card
Step 3.
Remove Chip Card

When the terminal says the transaction is complete, remove your card.

Step 1: Insert Card

Note: If you are not sure whether the terminal is chip-enabled, start by swiping your card as you do today. The terminal will tell you to insert your chip card if it is chip-ready.

First Hawaiian Bank Credit and Debit Cards

First Hawaiian Bank Priority Destinations Business MasterCard

Personal Debit Card

First Hawaiian Bank Priority Destinations Business MasterCard

Priority Destinations Credit Card

First Hawaiian Bank Priority Destinations Business MasterCard

Priority Rewards Credit Card

First Hawaiian Bank Priority Destinations Business MasterCard

Cash Rewards Credit Card

First Hawaiian Bank Priority Destinations Business MasterCard

Heritage Credit Card

First Hawaiian Bank Priority Destinations Business MasterCard

United MileagePlus® Credit Card

Frequently Asked Questions

  • What is an EMV chip card?
    In addition to the usual magnetic stripe on the back of the card, a chip card has an embedded microchip on the front of the card which provides enhanced security features not possible with traditional magnetic stripe cards. This microchip makes it extremely difficult for chip cards to be copied or counterfeited.
  • What information is stored on a chip card?
    The chip card stores information required to authenticate, authorize, and process transactions. There is no other personal information stored on the card.
  • Why are chip cards safer?
    The embedded chip in your new card generates a unique, one-time code required to approve each transaction. This “dynamic” code makes it virtually impossible for fraudsters to copy or counterfeit your card. While magnetic stripe cards offer protection from unauthorized use of your card or account information, chip cards offer a new layer of security.
  • Where can I use my chip card?
    Enjoy the convenience of using your chip card at the same places you do today - by inserting the card into card terminals that are chip enabled or swiping the card at merchant locations that have not yet switched to chip-enabled terminals. You may also continue to use the card for online/internet transactions and over-the-phone transactions.
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