EMV Security for Debit Cards

EMV for Debit Cards

Shop Securely with EMV

CCU continues to be committed to our Members' security. That's why we're bringing our Members an additional level of protection by making EMV (also known as chip-enabled cards) available to all of our Members.

EMV uses micro-chip technology to increase VISA Debit Card security when shopping in-store. Your card will also include the magnetic stripe that it currently has, giving you the ability to use EMV at merchants who support it and the magnetic stripe at all other locations. So you can shop anywhere and everywhere -- with added peace of mind!

Enhanced Security:

  • The security EMV technology provides has been used globally for the last decade and is proven to reduce counterfeit fraud.
  • EMV cards provide better fraud protection than traditional cards when used at a chip enabled terminal. They have an embedded microchip that turns cardholder's information into a unique code, making it difficult to duplicate.

Easy and Convenient

EMV technology is available in the U.S. and easy to use! Simply swipe your card and follow the terminal prompts to complete a transaction at a chip terminal.

Please note, not all merchants are currently accepting EMV Debit Cards, it is important you follow the terminal prompts for accurate directions.


Q. Now that I have an EMV VISA Debit Card, do I need to notify CCU before I travel internationally?

A. We recommend that you set a travel notice on any card(s) you plan to use while traveling, so your card access isn't interrupted. To set a travel note, call Consumers Credit Union at (877) 275-2228!

Q. Can I still use my EMV card at an ATM?

A. Yes. You can continue to use your EMV VISA Debit Card at the ATM as you do today. The card will be left in the ATM until your transaction is complete.

Q. Is an EMV card the same as contactless payment?

A. No. Forms of contactless payment employ near-field communication technology (NFC) and work by waving or tapping your card in front of the merchant terminal.

Q. What about recurring payments on my old card?

A. Any reoccurring payments that use your old debit card will need your updated information. Give them your new card number, expiration date, and 3-digit security code.

Q. How does an EMV card work for Internet and telephone transactions?

A. Your Internet and telephone transactions will work just as they do today.

Q. How do I pay at a chip card reader?

A. You will still swipe your card as normal. If the merchant is accepting EMV VISA Debit Cards, the card reader will ask that you insert the EMV chip into the terminal. The card will be left in the terminal until your purchase is complete. Follow any additional terminal prompts.

Some merchants may require the PIN to be used for transaction processing.

Q. Do I still need to sign the back of my card?

A. Yes, you need to sign the back of your card for security purposes.

Q. Will I need to select a new Personal Identification Number (PIN)?

A. Yes. When activating your EMV VISA Debit Card, please follow the prompts and select a new PIN.

Q. Can I still use my old VISA Debit Card?

A. No, your new EMV card replaces your old VISA Debit Card. Please shred or cut up your old card for security.

Q. Where can I use my EMV VISA Debit Card in the U.S.?

A. You are able to use your card anywhere that accepts VISA Debit Cards. More and more merchants and ATMs will be accepting chip-enabled cards.

Q. Why does my CCU VISA Debit Card now have a chip?

A. Financial Institutions around the world are including chips in cards and merchants are moving to EMV terminals to increase security and reduce fraud resulting from counterfeit, lost, and stolen cards.