CNA-9-18-2015

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creston

News Advertiser WEEKEND EDITION

SHAW MEDIA GROUP SERVING SW IOWA SINCE 1879 BREAKING NEWS COVERAGE AT WWW.CRESTONNEWS.COM

FRIDAY, SEPTEMBER 18, 2015

RURAL SUNSET:

Converging clouds leave a small opening of blue sky as the sun sets to the west above Highway 34 Thursday night, before bringing a short rainstorm through the Lenox area. (CNA photo by SCOTT VICKER)

QUICK NEWS Creston native up for Emmy Sunday LOS ANGELES — You might want to tune in or set your digital video recorder for FOX Sunday night, as a Creston native could be taking home an Emmy for her work on a Disney cartoon. Amy Higgins, daughter of Creston residents Doug and Myra Higgins, is a writer for “Wander over Yonder,” a show currently in its second season on Disney XD. An episode she co-wrote, titled “The Gift II: The Giftening,” is one of six nominees in the Outstanding Short-Format Animated Program category. Higgins holds two master’s degrees, including one from Columbia University Film School in New York, and has been a screenwriter for film and television. The 67th annual Emmys air 7 p.m. Sunday on FOX.

CNA full coverage

On Monday and Thursday next week, every household inside the city of Creston — subscribers and non-subscribers — will have the Creston News Advertiser delivered to their door. On those days more than 7,000 newspapers will be printed at Creston Publishing Company and distributed by CNA carriers. Subscription specials are available next week by calling 641-7822141 ext. 6451 or by stopping into the CNA at 503 W. Adams St. Those specials include: • For new subscribers, buy a threemonth subscription, get two months free. • For current subscribers, buy a oneyear subscription, get one month free.

GETTING SMART

Local banks plan to switch to smart cards over next two years. ■

By BAILEY POOLMAN

his or her card information, is not affected by the shift. Kent Sinn, owner of True Value and Java J’s in Creston, said he is planning to complete a technology upgrade at his store by Oct. 1. “Hopefully they’ll be safer so they (customers) don’t have to worry about identity theft as much,” Sinn said. “We just plan to upgrade as soon as possible and get it done.”

CNA staff reporter bpoolman@crestonnews.com

Starting Oct. 1, there will be a change in fraud liability, and because of that change, customers of several local banks in Creston will be getting new debit or credit cards. These EMV cards, which stands for Europay, MasterCard and Visa, are smart cards that have a computer chip in them to go through the transaction, rather than swiping a magnetic stripe card. Local cards will be dual interface and have both the chip and the magnetic stripe. S a r a h Young, electronic bank- Young ing officer and marketing specialist at First National Bank, said the cards started overseas about 30 years ago. “It’s actually a payment system that was established overseas, I think it was the late 80’s, primarily because their infrastructure didn’t allow for immediate authorization like ours does in the United States,” Young said. “They (EMV cards) have a little microchip computer right on the face of the card. It actually gets a onetime ‘tokenization’ passcode of some sort.” That means each transaction

Shift Generally speaking, most banks in the area are planning to implement phases of EMV card use for their customers. “As far as our bank’s plan, because you have Visa, MasterCard, you have your vendors. Everybody’s still trying to get everything online to start issuing EMV cards. Our bank is looking at doing a phased approach from an issuance standpoint, and looking at issuing EMV cards either the latter part of 2015 or the early part of 2016,” Young said. First National will issue new cards based on the expiration date of their customers’ current debit cards, as well as if the customer is an international traveler, since most bank terminals in other countries like England or France have EMV terminals already available. The goal for First National is for all cardholders to have a smart card by

Contributed photo

This First National Bank card is a proof of what the new EMV cards will look like. The chip in the upper left corner of the blue card will allow for more serious fraud prevention by making sure each encrypted transaction code is used only once. First National Bank plans to roll out new cards in the latter part of 2015, and employees hope all customers will have new EMV cards by 2016.

has a unique encrypted authentication code that’s specific to that transaction and cannot be used again, making financial accounts more secure. Banks and credit unions in Creston that will provide these cards in the coming future are Iowa State Savings Bank, First National Bank, Great Western Bank and Nishna Valley Credit Union.

Liability

Adam Snodgrass, chief financial officer, cashier and trust officer at Iowa State Savings Bank, explains that the liability shift occurring Oct. 1 will change who is liable for any fraudulent charges. “Businesses that do not convert to EMV by Oct. 1st have some additional risk relating

to fraudulent charges made with counterfeit, stolen or compromised cards used on a business’ non-EMV card reader,” Snodgrass Snodgrass said. Looking at it from the other standpoint, a bank is liable if their customer’s card is charged fraudulently at an EMV ready terminal, and the customer had not been issued an EMV card. However, the liability shift only affects card-present fraud. Card-not-present fraud, or fraud that occurs over the internet when a customer purchases something by typing in

Please see SMART CARDS, Page 2

SW Valley royalty:

Southwest Valley High School seniors Tony Klocke and Halee Olson pose together after being crowned 2015 homecoming king and queen. The coronation was held Thursday evening in the high school’s auditorium. Other candidates were Taylor Damewood, Ashtyn Grossnickle and Kelsey Steinbach for queen and Alex Holste, Trevor Holbrook and DJ Meader for king.

CNA photo by KELSEY HAUGEN

Grill masters: Chuck Taylor (left) of Creston takes a pork chop off the grill while Bob Miller (right) of Creston checks the internal temperature of another pork chop. Taylor and Miller are Kiwanis members who helped with the annual pork chop dinner fundraiser held at McKinley Park Thursday evening. Of the 1,400 pork chops purchased for the event, about 1,300 sold. The event was from 4:30 to 7 p.m., and meals were $8.

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Copyright 2015

Volume 132 No. 79

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