Frequently asked questions about EMV Chip Cards:

  • A. A chip card - Also called a smart card or EMV Card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

    These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issues.

  • A. Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fradulently for in-store purchases. EMV chip cards do not eliminate card fraud entirely, but do severely reduce it. Countries that have adopted EMV cards have seen card fraud drop anywhere from 50% to 70% within a few years of moving to EMV chip technology.

  • A. Begin a payment process by 'swiping' your card, just as you do today. If the payment terminal is chip-enabled, you will be asking to insert your card.

    1. Insert the card, faces up and chip end first, into the terminal.
    2. Leave the card in the terminal during the entire transaction.
    3. Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

    For merchants without chip-enabled terminals, your payment will process as it normally does from your initial swipe.

  • A. Yes, your chip card can be used virtually anywhere this branch of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transactions. In the US., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.

  • A. Your card will be replaced with a new chip card as your current card expires. Once your new card arrives, be sure to activate it for use and then destroy your old card. Although EMV chip cards will enhance your card security, not having one now doesn’t make you any more susceptible to fraud than you were yesterday.

    There is no need to request a new card. You'll automatically receive your new chip card in the mail before your card's expiration date. However, if you are planning to travel internationally or have an immediate need for a chip card, please call the Credit Union.

  • A. You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it.

  • A. :Yes, you still need to sign the back of your card

  • A. Yes. You can use your chip card to make these purchases as you do today.

  • A. While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data. EMV chip cards do not eliminate card fraud entirely, but do severely reduce it. Countries that have adopted EMV cards have seen card fraud drop anywhere from 50% to 70% within a few years of moving to EMV chip technology.

  • A. No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.

  • A. No, your chip card must be inserted into a POS terminal or ATM in order to read the chip.


Contact us for more information Call us at (559) 252-5000 or stop by any branch if you have additional questions about chip cards.