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Shop Securely with EMV

CCU continues to be committed to our members' security. That's why we're offering an additional level of protection by making EMV (also known as chip-enabled cards) available to all 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 has been used globally for the last decade and is proven to reduce counterfeit fraud.
  • EMV cards provide better fraud protection than traditional cards used at a chip-enabled terminal. They have an embedded microchip that turns the cardholder's information into a unique code, making duplicating it difficult.

Easy and Convenient

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

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

 

EMV for Debit Card FAQ

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.

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.

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

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

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

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.

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

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.

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.

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.

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!