M&T Debit & Credit Cards with Chip Technology

Learn how one little chip delivers such a big security enhancement.

M&T Debit & Credit Cards with Chip Technology

Your security is one of our top priorities. That’s why M&T Debit and Credit Cards feature the enhanced security of chip technology.

Chip cards, also referred to as EMV cards or Smartcards, contain embedded microprocessors that strengthen transaction security and provide other encryption capabilities that traditional magnetic stripe cards can’t offer. They are the global standard because of their ability to reduce incidents of counterfeit fraud when used at a chip-enabled terminal.

Enhanced Security – Worldwide

Your card comes with an encrypted microchip that will help protect you from fraud and counterfeit transactions when used at a chip-enabled terminal. The chip also allows you to pay at international merchant locations where chip cards are the standard.

Custom PIN

Experience yet another layer of security for your M&T Debit or Credit Card with a PIN that only you know. You may be asked to enter your PIN when using your new M&T Debit or Credit Card at a chip-enabled merchant terminal. If you already have a PIN associated with your M&T card, you can keep it or set a new one. 

How It Works 

At a Chip-Enabled Terminal

  1. Insert the chip portion of the card into the terminal with the chip facing up. It’s important to leave the card in the terminal until the transaction is complete – if you remove the card too soon, the transaction will end, and your purchase will not be processed
  2. Follow the prompts on the terminal’s screen. Depending on the terminal, you may or may not be asked to enter your PIN while your card is in the terminal
  3. View transaction amount. The terminal will display the purchase amount
  4. Once the transaction is approved, you will be prompted to remove your card and take your receipt. You may be asked to sign the receipt for the transaction if you weren’t prompted to enter your PIN

At a Contactless-Enabled Terminal 

If your M&T Debit or Credit Card  contains the contactless indicator  on the front of the card, simply:

  1. Look for the Contactless Symbol at checkout 
  2. Tap your M&T Credit or Debit Card on the checkout terminal
  3. Your payment is processed in seconds

At a Non-Chip Terminal

For Debit Cards

Simply swipe your card, then press “Debit” and enter your PIN or press “Credit” and sign for your purchases, if necessary.

For Credit Cards

You may not need to use your PIN. Simply swipe your card and sign, if necessary.

M&T debit and credit cards with chip technology will continue to feature the magnetic stripe on the back of the card, so they can be used anywhere.

Online and Phone Transactions

These types of transactions will be conducted the same way they are today and do not require a PIN.


  • Review Chip Card F A Qs
  • Retail customers call 1-800-724-2440 (Monday–Friday, 6am–9pm and Saturday-Sunday, 9am-5pm ET)
  • Business customers call 1-800-724-6070 (Monday-Friday, 6am-9pm and Saturday-Sunday, 9am-5pm ET)
  • Credit Card customers call 1-866-279-0888 (Monday-Friday, 6am-9pm and Saturday-Sunday, 9am-5pm ET)
Visa® is a registered trademark of Visa International Service Association.
​The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. 
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.