Any bank issuing non-EMV cards?

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codejack
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Any bank issuing non-EMV cards?

Postby codejack » Mon Nov 07, 2016 7:29 pm

Hi, everybody!

I recently moved and had to change banks, and my new bank gave me a card with an EMV chip in it. Actually, they have given me 3, now; 2 have been hacked and 1 has broken. I am waiting on #4. All this in less than 3 months.

Does anyone know if there is a list of which banks have NOT started using these stupid EMV chips in their cards? It's getting old, fast.


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PhillyPhoto
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Re: Any bank issuing non-EMV cards?

Postby PhillyPhoto » Tue Nov 08, 2016 7:46 am

EMV is here to stay. It sounds like there might be other things going on though. Have you tracked where you've been shopping with it, such as restaurants or online where they can see and copy your number without you seeing them doing it? Do you have other cards you can cycle through to determine a pattern?
Main Cards:
Amex: Ameriprise Plat, Surpass
Chase: Hyatt

Sock drawer Cards:
Amex: HHonors
Chase: Amazon Rewards, Freedom
Citi: Macy's Amex, Simplicity, ThankYou
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Elan: Bank Rewards
Synchrony: PayPal

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Stros05
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Re: Any bank issuing non-EMV cards?

Postby Stros05 » Tue Nov 08, 2016 10:02 am

Did you use one of the hacked cards at a gas station? I think my info was stolen from the terminal at the gas pump on time.

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kcm7
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Re: Any bank issuing non-EMV cards?

Postby kcm7 » Tue Nov 08, 2016 11:51 am

Banks can get held responsible financially if they issue cards without chips, so there's no way you're going to be able to find a non-EMV card.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

codejack
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Re: Any bank issuing non-EMV cards?

Postby codejack » Tue Nov 08, 2016 8:55 pm

Well, right off the bat, the bit about banks being held liable for not switching is wrong; the only change is that EMV cards hold the merchant responsible for fraud instead of the bank losing the money. There is no legal requirement, at all.

I know for a fact that at least one bank has not switched, I just don't like that bank (First Tennessee).

As for how it got hacked, there are people going around town to Wal-mart and shopping malls, with equipment in a bag that they just have to get within like 3 feet of your card, and they can copy the chip. It's like walking around with your bank account number on a sign on your back.

I don't use the card; it's for emergencies. I pay cash for gas and food, and use paypal for online purchases.

But it's no use in an emergency if it's been hacked and I'm either broke (until I can report it) or I'm waiting on a replacement.

I've been trying to get just a plain ATM card, in the meantime, but I've ordered it twice, now, and Suntrust keeps having some kind of problem doing it, along with several other issues (I've ordered checks, twice, and haven't received them; statements, yes, checks, no). Hence the quest for a new bank.

TL;DR Do I need to call around to every bank in town, or is someone going to answer the original question?

JustRewards
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Re: Any bank issuing non-EMV cards?

Postby JustRewards » Tue Nov 08, 2016 10:37 pm

It's true that it isn't a legal regulatory requirement but it is a contractual agreement between issuers and merchants where the liability for card-present fraud shifts to whichever party is not in compliance with the chip standard. So, a large bank could blow off the requirement but they would be held liable for the fraud if the merchant had the required chip reader and was the party in compliance.

Concerning where the fraud could have happened, I'm guessing online or at a restaurant where the waiter takes the card from view is much more likely. The new chip cards do not have RFID capabilities so crooks can't read the chips remotely as they could with older cards that had contactless payment technology (like those with Visa Paywave). Chip cards do not add any protection to online transactions but since in person card-present fraud has been made more difficult due to this technology fraud is migrating online where there is less security.

I would check out smaller banks and credit unions if you are dead set against getting another chip card, but there really isn't any correlation between the chip card technology and increased chances of getting your account hacked.
Last edited by JustRewards on Wed Nov 09, 2016 3:16 pm, edited 1 time in total.

codejack
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Re: Any bank issuing non-EMV cards?

Postby codejack » Wed Nov 09, 2016 7:03 am

Concerning where the fraud could have happened, I'm guessing online or at a restaurant


Again, I don't use my card like that; it's for emergencies, I pay cash for most everything.


there really isn't any correlation between the chip card technology and increased chances of getting your account hacked.


And yet, I've never had the problem before, and now I've had it twice in 2 months. There might not be a causal link (although I am suspicious, but the correlation is ABSOLUTELY there. Oh, and the old cards didn't BREAK.

Yes, I am dead-set on getting a non-EMV card, so thank you for at least half answering the question.

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kcm7
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Re: Any bank issuing non-EMV cards?

Postby kcm7 » Wed Nov 09, 2016 11:08 am

codejack wrote:Well, right off the bat, the bit about banks being held liable for not switching is wrong; the only change is that EMV cards hold the merchant responsible for fraud instead of the bank losing the money. There is no legal requirement, at all.


codejack wrote:Well, right off the bat, the bit about banks being held liable for not switching is wrong; the only change is that EMV cards hold the merchant responsible for fraud instead of the bank losing the money. There is no legal requirement, at all.


True, but it's a motivation for any bank who can afford it to go EMV, because they don't want to be holding the bag as merchants make the switch.

EMV chips are contact-read only. Nobody's hacking it from three feet away. So unless you have a contactless card, you don't need to worry about that.

You'll probably have to look into credit unions to get a non-EMV card. The reason you're probably not getting the answers you want here is that most of this community has major-bank cards because the rewards tend to be better, so we just don't know of any non-EMV cards off the top of our heads. I had a look around at some of the websites for podunk small banks in my state, and even those have EMV chips pictured on their cards on the app pages.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

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PhillyPhoto
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Re: Any bank issuing non-EMV cards?

Postby PhillyPhoto » Wed Nov 09, 2016 12:33 pm

You've mentioned Suntrust, so I'm assuming you're in Florida. A quick Google search for Florida banks and credit unions, gave about 6 on the 1st page. These two I don't see any explicit mention/picture of EMV:

https://www.floridacentralcu.com/person ... cards.html

https://www.midflorida.com/accounts/che ... rd-banking

kcm7 wrote:The reason you're probably not getting the answers you want here is that most of this community has major-bank cards because the rewards tend to be better, so we just don't know of any non-EMV cards off the top of our heads.


I would also say, that most of us here want the benefits of EMV cards, and would go more in the opposite way of avoiding places that didn't offer them.
Main Cards:
Amex: Ameriprise Plat, Surpass
Chase: Hyatt

Sock drawer Cards:
Amex: HHonors
Chase: Amazon Rewards, Freedom
Citi: Macy's Amex, Simplicity, ThankYou
Citizens Bank: Cash Back Plus World
Discover: it
Elan: Bank Rewards
Synchrony: PayPal

755 Eq (12/16)|748 TU (12/16)|726 Ex (1/17)

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CarefulBuilder14
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Re: Any bank issuing non-EMV cards?

Postby CarefulBuilder14 » Wed Nov 09, 2016 1:52 pm

Kcm7 has it right. Your quarrel should be with contactless technology, not EMV.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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