Oct. 1 is an important date in the United States’
transition to credit and debit cards with microchip
Financial institutions are working on replacing cards
with the upgraded technology. Jenny Muche, electronic
banking officer with Horicon Bank, said in an email that
on Oct. 1 the liability will shift to businesses if they
take a counterfeit card by swiping the strip or manually
entering the information if the card has the chip.
think all American banks will be going to this new
chip-based debit card and credit card, which is what
most of the world uses,” said Fred Schwertfeger,
communications officer with Horicon Bank. “It’s a little
bit heavier of a card, but it’s good for all of us for
This “smart card” technology is used by many other
countries, and is billed as a safer alternative to the
magnetic strip. The goal of the nationwide change is to
protect consumers and reduce the cost of fraud.
Jamie Davis, a manager at the Corner Store in West Bend,
said her card already has a microchip. She used it at a
store that already upgraded the card readers and it took
longer than swiping the card, she said.
Davis said she thinks this is a good improvement,
especially since other countries have used this
technology for years.
said her account was hacked before, so she’s familiar
with the dangers of fraud. She noticed someone stole her
card information when a purchase from a store in West
Allis popped up in a statement.
Corner Store has not upgraded to payment terminals that
handle the microchips yet, Davis said, but “we will do
whatever is needed when needed.”
Betty Bartelt, owner of All-In Books in West Bend, said
she is tired of getting phone call after phone call from
companies wanting to upgrade her technology to card
readers that can accommodate the microchips.
said she has received four of them already by early
Bartelt uses PayPal, wielding a small smartphone
attachment to swipe cards’ magnetic strips, because she
sells a lot at flea markets.
hopes she can stick with the setup she has “because it’s
the way we’ve been doing business,” she said.
Reach reporter Alex Zank at