SunTrust Cards with Chip Technology

SunTrust now offers credit cards with chip technology. The embedded chip provides you with greater international acceptance and extra levels of security against card fraud.

Cards with chip technology are already in wide use around the world and have proven to help reduce fraud by making it more difficult to duplicate the card or make purchases without authorization.

Over the next several years, U.S. merchants will be upgrading their terminals to include acceptance of chip cards. In the meantime, SunTrust cards with chip technology will feature both a chip and a magnetic stripe. So, even if a merchant hasn’t yet switched their terminals to chip technology, you will still be able to use your card by swiping and signing as usual.

For more information, see below for information on Enhanced Security and Acceptance.

Chip technology is already in wide use around the world and has proven to help reduce fraud by making it more difficult to duplicate the card or make purchases without authorization. When you use your card with chip technology, you may be prompted to enter your Personal Identification Number (PIN) for credit card purchases. This PIN verification process will help protect your identify and ensure that you are in fact the authorized user of the card.

Cards with chip technology are already widely used in other countries. Many of the merchants around the world have already converted and/or upgraded their card reading equipment (terminals) to accept cards with chip technology. As a result, cards with chip technology issued in the U.S., should be widely accepted when traveling internationally.

Over the next several years, U.S. merchants will upgrade their terminals to include acceptance of cards with chip technology. New cards that contain both a magnetic stripe AND the embedded chip will be issued to most credit card clients over the next few years.

At merchant terminals that have upgraded to the new technology, instead of swiping your card, you will be required to insert your card. Unlike today, you may be prompted to enter your PIN for your credit purchases. Even if the merchant has not yet switched to the new technology, you can still use your SunTrust card with chip technology as usual by swiping and signing for your credit purchases.

Disclaimer

©2014 MasterCard. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

Contact Us

To speak with a SunTrust representative:
  • 800.836.8562

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

© 2015 SunTrust Banks, Inc.

Equal Housing SunTrust Bank is an Equal Housing Lender. Member FDIC.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust Mobile Banking, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Fund Select, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and Sure Pay are federally registered service marks of SunTrust Banks, Inc. SunTrust SummitView are service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc.; investment advisory products and services are offered by SunTrust Investment Services, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, Illinois 60601, (312) 793-1490, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Banks, Inc. and SunTrust Investment Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.