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:
- Enter your card number.
- Answer the security questions.
- Enter your new custom pin (any combination of 4 numbers).
- Re-enter your new PIN.
- 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.