EMV Chip

EMV_670x317

 

EMV Chip FAQs

What are chip-enabled credit cards?

These cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted, making it more difficult for your account to be compromised.

Where can I use my new chip-enabled credit card?

These cards can be used everywhere Visa® is accepted—at card readers that are chip-enabled and those that aren’t. Your chip card will still work at terminals where only magnetic stripe transactions are accepted.

Will my credit card number change?

Yes. You will need to update automatic bill payments and any reoccurring charges. Please destroy your old card after activation.

How does a chip credit card work?

It’s easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts on the terminal. Your card can be removed from the terminal once the transaction is completed. If the retailer is not equipped to read the chip card, just swipe as you do today. For transactions made over the phone or online, nothing changes.

When can I expect to receive a credit card with chip technology?

If you don’t have a credit card with chip technology today, you’ll receive one when your old card expires or needs to be reissued.

- NuVision Debit Cards are coming soon! -

equal housing opportunity lenderNCUA