Introducing Chip Cards

big protection in a tiny chip

Bank of Hawaii Visa® debit and credit cards now come with chip technology, which provides enhanced security when used at chip-enabled terminals.

How chip technology works: When you make a purchase at a chip-enabled terminal, the embedded chip generates a unique transaction code which prevents stolen data from being fraudulently used.

For existing debit card customers:
You will be issued a new replacement debit card with chip technology.
Things to know about your new card:

  • Activate your new card immediately.
  • Your new card will have a new 16-digit card number and expiration date.
    Update your card information with merchants to whom you make automatic or recurring payments.
  • Your PIN will remain the same.

Don't have a Bank of Hawaii debit card?Open a checking account

New chip-enabled debit cards

a new level of security and design

Don’t have a Bank of Hawaii debit card yet? Open a new account


Bankoh Hawaiian Airlines®
Visa® Debit Card
design by Tori Richard, Ltd.Open a checking account
Bank of Hawaii
Visa® Debit Card
design by Tori Richard, Ltd. Open a checking account
Ease by Bank of Hawaii
Debit Card
  Learn more
Bank of Hawaii
Visa® Business Debit Card
design by Tori Richard, Ltd. Learn more
Bank of Hawaii
Black Visa® Debit Card
design by Tori Richard, Ltd. Learn more
Tori Richard, Ltd

Spend in Style
New debit cards designed by
local fashion and textile design
company, Tori Richard, Ltd.

  

 

New chip-enabled credit card

How it works

How to pay at a chip-enabled terminal:

1. Insert the chip end of your card into the terminal with the chip facing up.

2. Keep your card in the terminal and follow the prompts onscreen.

3. Remove your card when prompted and take your receipt.

In some instances, you may be required to sign for your purchase or enter your PIN.

 

Not at a chip-enabled terminal?


Not to worry, you can just swipe your card’s magnetic strip and use as usual.

 

 

Watch how it works

 

 

Frequently asked questions

General
Actions Needed
Using the Card
Security
Troubleshooting


General

1. When will Bank of Hawaii issue debit cards with a chip in it?
As we continue to ensure all debit cards are chip cards, please confirm your personal contact information (current mailing address, email address and mobile phone number) is updated with us. In e-Bankoh click on the Customer Service tab and under the Account Maintenance section select ‘Change address’ and ‘Manage your contact information.’ Or call our 24/7 Customer Service line: 1-888-643-3888.

2. Why am I receiving a new card?
As a security enhancement, your new debit card now includes chip technology. The embedded chip on the front of your card provides an additional level of fraud protection when used at chip-enabled terminals. It also provides global acceptance.

3. Can I still use my old debit/check card?
Your new chip-enabled debit card replaces your existing card. It still provides all the same features and benefits you currently receive, with the addition of enhanced security and global acceptance. Once you activate your chip card, your old card will be de-activated soon thereafter.

4. Will I have to pay any fees to use my chip-enabled card?
There are no additional fees to use your new card.


Actions Needed

5. Will my card information change?
Your 16 digit card number and expiration date will change. Once you receive your new card, be sure to update your information with merchants for any payments that are charged to your card regularly.

6. Will my PIN change?
No. You can still use your current PIN with your new card.

7. What should I do with my old debit/check card?
Once you activate your new card, please destroy your existing card for security reasons.

8. Do I need to update my ApplePay, SamsungPay, or AndroidPay wallet?
Yes, you will need to remove your old debit card and add your new card.


Using the Card

9. Where can I use my chip-enabled card?
Use it anywhere you use your debit card today. As retailers/businesses update their terminals to accept chip-enabled debit cards, you can insert your card with the chip facing upwards into the terminal instead of swiping the magnetic stripe.

10. When do I swipe? When do I insert?
Your new chip-enabled card still has a magnetic stripe. When in doubt, swipe your card. If the terminal is chip-enabled, it will recognize that your card has a chip and will prompt you to insert it instead.

11. How do I pay at a chip-enabled terminal?
It’s easy to make purchases with your chip-enabled debit card:

        1. Insert the chip end of your card into the terminal with the chip facing up.
        2. Keep your card in the terminal and follow the prompts on the screen.
        3. Remove your card when prompted and take your receipt.
           In some instances, you may be required to sign for your purchase or enter your PIN.

12. Why do I need to leave my card in the terminal?
While your card is in the chip-enabled terminal, the embedded chip creates a unique transaction code. This protects your card from unauthorized use. If you remove your card too soon, your transaction will be canceled.

13. Does my chip-enabled debit card work at the ATM?
Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up, and follow the prompts on the ATM screen.

14. How do I know if the ATM is chip-enabled?
Your card will remain in the ATM until your transaction is complete. If you insert and remove the card, the ATM may ask you to reinsert your card and keep it in the ATM for the duration of your transaction.

15. Can my chip card be used for contactless or NFC payments?
No. Your debit card with chip technology requires contact with the terminal’s chip reader. Waving your card in front of the terminal will not work.


Security

16. How does my chip-enabled debit card protect my information?
Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This protects your card from unauthorized use.

17. Am I still protected by Visa’s Zero Liability policy?
Yes. If your card is lost or stolen, you are covered by Visa’s Zero Liability policy, which protects you against unauthorized use.


Troubleshooting

18. Why is my transaction getting declined?
If you are inserting the card, try swiping the card instead. The merchant may not have activated the chip terminals for debit cards.

 


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