You either have one, or are waiting for your personalized debit card with a smart chip in it in the mail.
According to ACI Worldwide, toward the end of 2015, three out of five consumers in the U.S. have yet to receive a chip enabled debit card.
There's a good reason for the delay. While you are more likely to receive a credit card with a smart chip in it, debit cards offer two payment options. It's harder for a chip to have both options.
Creditcards.com reports around 240 million Visa cards with smart chips have been issued in the U.S. so far.
By the end of 2015, only twenty-five percent of debit cards had a smart chip in it. That number is expected to jump up to 50 percent by the end of 2016.
The goal of the chip is to make it more difficult for "skimmers" to steal vital credit card from consumers. More than 30 million people had their credit information stolen last year.