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SFPCU Credit and Debit Cards with EMV Chips

EMV Chip Cards

EMV chip cards offer stronger protection of cardholders' transaction data when used to make purchases at locations with chip-enabled terminals and ATMs.

All of our Platinum and Savings Secured cards now have an embedded EMV microchip, and we are in the process of rolling out our debit cards with the same technology and an updated design.

Frequently Asked Questions About EMV Cards

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.

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.

MasterCard® Debit Card Information

When will you start rolling out EMV debit cards?

We will begin issuing the new EMV debit cards in March 2017.

Will my new EMV chip card have the same card number as my old one?

Yes! Your new EMV debit card will have the same number as your old card. However, your new card will come with a new expiration date, so plan accordingly if you use your debit card for any recurring payments.

I haven't received my EMV card yet. Can I request one?

  • If your current (chipless) debit card is active, you are already scheduled to receive an EMV chip card and no request is necessary.
  • If you have not activated your current debit card, you may request an EMV card by calling us at 800.222.1391.

I received my new EMV debit card but I'm having trouble activating it. What should I do?

First, verify that your primary phone number is correct in our system:

  1. Log into Online Banking.
  2. Navigate to Settings > Update Profile.
  3. Verify that the phone number listed under Home Phone Number is your current, primary number.
  4. If you update your phone number, be sure to scroll to the bottom of the page and click Continue to save your changes.

If you're still having trouble activating your card, give us a call at 800.222.1391.

Platinum Visa® Credit Card Information

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/reset my PIN?

You can easily change or customize your PIN by calling our Contact Center at 800.222.1391.

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

At a certain point during the PIN reset process, 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.


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SFPCU proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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