Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.

Firefox

To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.

Safari

To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.

 

 

 

 

Customer handing a card to a cashier over a store counter.

M&T Debit & Credit Cards with Chip Technology

​Learn how one little chip delivers such a big security enha​ncement.​​​

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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.

Benefits

You can use your M&T Debit or Credit Card with chip technology at millions of locations worldwide, with or without chip technology.

Enhanced Security – Worldwide

Receive a card 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. Over the next several years, more chip terminals are expected to appear at merchant locations and ATMs throughout the United States.

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.

Request your chip-enabled card

Don’t wait until your card expires to add an extra layer of security. Contact us today.

How It Works

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.

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

Online and Phone Transactions

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


Questions?

  • Review Chip Card FAQs
  • 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)

​​DIS-224*-DIS​

 

 

 

 

 

 

 

Frequently Asked Questions About Chip Technology:

  • What are the benefits of chip technology?
  • ​​Chip technology cards contain embedded microprocessors that provide strong transaction security features and other encryption capabilities not possible with traditional magnetic stripe cards.​​

  • Where can I use my M&T card with chip technology?
  • ​​​​You can use your M&T card with chip technology at all locations that accept Visa® with or without chip technology. The chip allows you to pay at international merchant locations where chip cards are the standard. Over the next several years, more chip terminals are expected to appear at merchant locations and ATMs throughout the United States. Chip card technology has already been implemented in over 92 countries in Europe, Asia, Latin America, Africa and the Middle East.​​​

  • Do additional fees apply to my new M&T card with chip technology?
  • ​​​​No additional fees apply please refer to your cardholder agreement for standard card fees.​​