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CORPORATE OFFICE

Level One Bank

32991 Hamilton Ct.
Farmington Hills, MI 48334
Phone: 248-737-0300

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MORTGAGE LOAN PRODUCTION OFFICE

Level One Bank

2750 South State Street
Ann Arbor, MI 48104
Phone: 734-794-5225

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BANKING CENTERS

BIRMINGHAM

Level One Bank

1732 West Maple Road
Birmingham, MI 48009
Phone: 248-723-4800

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BLOOMFIELD

Level One Bank

6450 Telegraph Road
Bloomfield Hills, MI 48301
Phone: 248-406-8905

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BLOOMFIELD

Level One Bank

37100 Woodward Avenue
Bloomfield Hills, MI 48304
Phone: 248-530-7401

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DETROIT

Level One Bank

1420 Washington Boulevard
Detroit, MI 48226
Phone: 313-309-9980

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FARMINGTON HILLS

Level One Bank

30095 Northwestern Highway
Farmington Hills, MI 48334
Phone: 248-865-1300

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FARMINGTON HILLS

Level One Bank

31000 Northwestern Highway
Farmington Hills, MI 48334
Phone: 248-538-7600

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FARMINGTON HILLS

Level One Bank

30201 Orchard Lake Road
Farmington Hills, MI 48334
Phone: 248-737-1110

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FERNDALE

Level One Bank

22635 Woodward Avenue
Ferndale, MI 48220
Phone: 248-414-6500

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Grand Rapids

Level One Bank

2355 Burton St. SE
Grand Rapids, MI 49506
Phone: 616-827-4400

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NORTHVILLE

Level One Bank

20550 Haggerty Road
Northville, MI 48167
Phone: 248-380-6590

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NOVI

Level One Bank

44350 W. 12 Mile Road
Novi, MI 48377
Phone: 248-735-1000

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STERLING HEIGHTS

Level One Bank

43683 Schoenherr Road
Sterling Heights, MI 48313
Phone: 586-412-1800

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Online Services

Introducing Chip Cards

Enhanced Security Chip Cards. Made Smarter to Protect You Better

Level One Bank will soon offer debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.

A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

These cards are already in wide use around the world and are now becoming the standard in the U.S.


Follow these steps to use your card at a chip-enabled terminal:

  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

If a merchant isn't using a new chip-enabled terminal yet:

You will 'swipe' your card to make your purchase, just as you do today. Chip cards will continue to have the magnetic stripe on the back.

Online or phone purchases:

Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.

At an ATM:

The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.

Frequently Asked Questions

When will the change happen?

Even though chip cards have started being issued in the U.S. and some merchants have already installed chip-enabled card terminals for payment, the entire conversion process is expected to take a few years to complete.

That's why chip cards will continue to have a magnetic stripe on the back. That way, if a merchant's terminal or an ATM is not yet chip-enabled, your transaction can still be processed using the magnetic stripe as it is today.

When will I get my chip card from Level One?

Your existing Level One debit card will be replaced with a new chip card as your current card expires. Once your new card arrives, be sure to activate it for use and then destroy your old card.

There is no need to request a new debit card from Level One. You will automatically receive your new chip card in the mail before your current card's expiration date. There is no extra charge for the new chip card.

If you are planning to travel internationally or have an immediate need for a chip card, please contact us at 248-737-0300.

Will I get a new credit card with a chip?

Credit cards from Level One will be replaced with a new chip card as your current credit card expires – this process has already begun through our credit card service provider, Elan.

If you have questions about your new credit card or other account information, please contact Cardmember Services at 1-800-558-3424.

Will I get a new ATM card with a chip?

At this time, Level One ATM cards will not be upgraded to receive chips.

What are chip cards?

A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.

Is a chip card more secure than my current card?

Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.

What information is on the chip?

The chip contains information about your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

How do I use them?

When used at merchants with chip-enabled card terminals it's as easy as:

1. Insert the card, face up and chip end first, into the terminal.

2. Leave the card in the terminal during the entire transaction.

3. Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

For merchants without chip-enabled terminals, you will 'swipe' your card through the terminal, just as you do today.

Can I use my chip card anywhere?

Yes. Your chip card can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.

Can I still use my current card?

Your current card can be used until your new card arrives or it expires.  When your new card arrives, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it.

If you request a chip card prior to the expiration of your current card, or one is ordered due to a potential compromise of your current card, your current card may be frozen or cancelled prior to the receipt of your new chip card.  Please contact us at 248-737-0300 for specifics related to your situation

Do I need to sign the back of the card?

Yes. You still need to sign the back of your card.

Can I use it to make purchases online or by phone?

Yes. You can use your chip card to make these purchases as you do today.

Can I use my card at an ATM?

Yes. For ATM transactions, insert your card into terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money you might have withdrawn.

What is the difference between chip and signature and chip and PIN?

You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks.

What if my card is lost or stolen?

It's important to report a lost or stolen card immediately. Call 866-506-1106 for assistance.

Will chip cards prevent data breaches?

While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Contact us for more information

Call us at 248-737-0300 or visit a branch if you have additional questions about chip cards.

Need help?

Contact our team of financial professionals to learn more about our products and services.


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Call or chat with a real person. Nights, weekends and most holidays.

Thank you for visiting https://www.levelonebank.com/Resources/Tools/Chip-Cards
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