If our time is spent aiding our customers, then our time has been well spent.

News And Information
Personal Banking
Business Banking
Investment Services
Electronic Banking
Information Center
News And Information
No computer?  No problem.  Call FirstLine from any phone to check balances, posted transactions, and transfer funds.

» Learn More

Our Bottom Line Is
Great Customer Service.

What are EMV Cards?

Swipe or insert your card? If you've got questions, this is a great resource to help you better understand the new EMV card format.

Technology is ever changing and with this constantly changing landscape, security is changing as well.  Community First Bank is dedicated to implementing new security features to help keep your financial information safe from cyber criminals.  As we begin to transition to the new EMV cards, here is some information to help familiarize yourself with the new cards.  We will continue to update articles with additional information on EMV cards.  If you have not received your new check card, continue to use your current card until the new one arrives.  If you have any questions, please contact your local branch.  

Chip Card Facts-at-a-Glance

The basics…

EMV is the name of the global standard for chip payment cards and is based on widely used and highly secure smart card technology.

EMV specifications are maintained by EMVCo.

Chip payment cards are standard-sized bank cards that have a microprocessor, or a mini computer, embedded in the cards that meet requirements of the EMV standard.

Today, the U.S. is in the midst of migrating to chip payments.

The U.S. market is larger than all of Europe’s payments markets combined, making it the largest individual market to convert to chip cards.

After October 2015, the payment brands will shift the responsibility for any fraud resulting from a payment transaction to the party using the least secure technology.

If neither or both parties are EMV compliant, the fraud liability remains the same as it is today.

The numbers…

According to EMVCo, as of December 2014:

3.4 billion chip payment cards are in use

96.6% of card-present transactions in Europe (Zone 1) are chip transactions

In Canada, Latin America and the Caribbean, 85.41% of in-store transactions are chip transactions

Overall, there are approximately 1.2 billion payment cards and 12 million POS terminals in the U.S.

Millions of EMV-capable terminals and ATMs have been installed, some of which are accepting chip cards today


The embedded microprocessor (computer) in a chip card provides strong transaction security features and other application capabilities not possible with traditional magnetic stripe cards.

EMV chip transaction data excludes other data needed for magnetic stripe transactions, so it cannot be used to make a fraudulent transaction in an EMV or magnetic stripe environment.




Have Questions?

Submit your questions via the Contact Us form 24/7

» Learn More

Mortgage Center

Applying online is as easy as 1-2-3

» Apply Now

Trust Solutions

Preparing for your financial future.  Trusts and Investment services.

» Learn More