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Visa Card

SFPCU Visa Chip Card

SFPCU is committed to protecting our card members. All of our Platinum and Savings Secured cards now have an embedded EMV microchip with enhanced security technology. Chip cards offer stronger protection of cardholders' transaction data when used to make purchases at locations with chip-enabled terminals and ATMs.

How They Work

Our cardholders can continue to swipe their cards to make purchases with the magnetic stripe, or insert their card into a chip reader at available retailers.

Simple to use

  1. At merchants who have chip-enabled terminals: Insert your card into the reader, chip side up. Leave the card in the slot and follow the prompts on the screen. Don't forget to remove your card from the terminal at the end of the transaction.
  2. At merchants who are not yet equipped with the chip-enabled terminals: Swipe and sign your name as usual. Your card will also continue to have the traditional magnetic stripe on the back, enabling you to use it at merchants who do not have a chip-enabled terminal.
  3. For phone or online transactions: Simply provide your credit card number and complete your online transaction as you do today.

Frequently Asked Questions

What is an EMV chip-enabled card?

EMV stands for Europay, MasterCard, Visa® and is a joint effort between the three to ensure a more secure way for MasterCard and Visa to be accepted globally. When chip cards are used at chip-enabled terminals and ATMS, the embedded microchip encrypts card member information into a unique code that significantly increases transaction and account data security when used at a chip-enabled terminal, making counterfeit transactions and fraud more difficult.

What information is stored on the chip?

The chip stores the same type of information already stored in a standard credit card's magnetic stripe: information needed to authorize and process transactions.

Can I still swipe my chip card if the terminal is chip-enabled?

Yes. Most payment terminals worldwide accept the magnetic stripe and you will be able to swipe your card when making purchases at home and abroad.

Do I need to change the photo I have on my DYOC? (Design Your Own Card)

You may need to if the placement of the chip interferes with the current photo you have uploaded. Please call the credit union at 800.222.1391 and we can help you with the process.

Can I change/customize my PIN?

You can easily change or customize your PIN by calling 888.886.0083 anytime 24/7 and following these instructions:

  1. Enter your card number.
  2. Answer the security questions.
  3. Enter your new custom pin (any combination of 4 numbers).
  4. Re-enter your new PIN.
  5. You're done! Your new PIN will work immediately.

What if I forget my PIN?

You may now call 888.886.0083 anytime 24/7 to reset your PIN.

If I'm a secondary cardholder, how do I change my PIN?

After the security questions are answered, you will be prompted to identify which cardholder you are by entering the first letters of your first name using your telephone key pad. The system will confirm which cardholder is calling.

Why is my new PIN not working?

If there have been multiple cards issued for the same cardholder and you have changed your PIN recently, it’s possible you are using the wrong card. Since the chip is unique to the card, the updated PIN only work for the most recently issued card.