Far as I'm aware, their is not a chip/card set up.
If your HB or Lowrance unit is Navionics compatible the unit itself will give you a menu option to select the type of card desired to be displayed. Make sure your units have the most current MFG software updates installed.
Here is a screenshot of the Navionics/Humminbird compatibility page. Unfortunately I don't see a HB 989 unit on there as being compatible for use with a Navonics card.
Did you maybe have a typo and your unit is a 998? If not double check with Navionics folks.