When you use your card at a chip-enabled terminal, your information is protected through a unique one-time transaction code that is virtually impossible to counterfeit, reducing fraud for in-person purchases.


With Zero Liability1, you’re protected against fraudulent use of your card and will not be held liable for unauthorized purchases made with your card.


Make mobile payments with Apple Pay, Google Pay and Samsung Pay. You can also use Cardless Cash to quickly withdraw cash using your phone, the Johnson Bank mobile app and any convenient Johnson Financial Group ATM.


You can choose from a personal, health savings, line of credit or business debit card to provide convenient payments and access to your account.

How to Use a Chip Debit Card

Your Johnson Financial Group VISA® debit card is embedded with a chip to protect your information.

insert card icon in the color burgundy

Step 1: Insert card

Instead of swiping, insert the card into the terminal, chip first.

card inserted into a terminal icon in the color burgundy

Step 2: Leave the card in the terminal

The chip card must remain in the terminal during the transaction.

remove card icon in the color burgundy

Step 3: Remove your card

Once the transaction is complete, remember to take your card with you.

Debit Card Options

Personal Debit Card

  • Use with a personal checking,
    savings or money market account.

Health Savings Card

  • Use with a Health Savings Account (HSA) for qualified medical expenses.

Line of Credit Card

  • For convenient access, use with a
    Home Equity Line of Credit.

Business Debit Card

  • Use with a business checking, savings or money market account.

We can also help you with...

Person using mobile phone to pay with a credit card.

Mobile Payments

Easily make secure in-store and in-app purchases at participating merchants using your mobile device and a Johnson Financial Group credit or debit card.

Learn More about mobile wallet

When your card is misplaced or lost, we encourage you to contact your advisor or the Johnson Financial Group Customer Support Center at 888.769.3796. Your advisor will work with you to review your account history, close the card, and order you a new or replacement card.

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.

No. There are no additional fees to use your chip card.

If a merchant isn't using a chip‐enabled terminal, you can still swipe your card. You will sign the receipt or enter the PIN to complete your purchase.

Once you activate your new card, please destroy your existing card for security reasons.

You can use your chip card for in‐person or online purchases and ATM transactions.

While your card is in the chip‐enabled terminal, the embedded chip creates a one‐time transaction code. This prevents stolen data from being fraudulently used. If you remove your card too soon, your transaction will be canceled.

Every time you use your card at a chip‐enabled terminal, the embedded chip generates a one‐time transaction code. The code is virtually impossible to counterfeit and helps reduce fraud for in‐person purchases.

Have Questions?

We're here to help.

Give us a call at 888.769.3796


Need to report a lost or stolen card?  
Call 888.769.3796

EMAIL US Click here to contact us.

1 Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail. PLEASE NOTE: If the merchant does not have a chip- enabled terminal, you can still swipe your card.

Julie Anchondo
Julie Anchondo, AVP Branch Manager, Racine, WI

Your Trusted Partner for Life's Biggest Moments

No matter what financial needs you may have, we're here for you. Our experienced advisors work closely with you to build the right path to help you achieve your goals.