Mastercard gave banks a deadline of Oct. 21 to ensure they have EMV smart chip readers installed in ATMs.
The reason for the chips is to provide extra security. By missing the deadline, the liability for any fraud may now fall on the banks.
Only about 33 percent of ATMs are currently chip enabled, according to a Mastercard official.
For those in North Texas, many people say that stores are getting with the program. But bank ATMs, not so much.
"It's hit or miss for us," chip card user Nick Tomlinson said. "I haven't used the chip card at an ATM. The ones we use, it's not available."
This isn't the last of the deadlines, as gas stations are expected to have chip readers by next October.
If you notice any fraudulent charges on your card, be sure to report them to your bank immediately.
