Visa® Chip Technology

Introducing Visa® chip technology - confidence in a smarter world

Get big protection in a tiny chip

UFCU Visa® credit and debit cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure – it’s also easy to use. Here’s what you can look forward to as a cardholder.

Enhanced fraud protection.

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global acceptance.

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa cards are accepted.

Easy to use.

If a chip-activated terminal is available, insert your card into the bottom of the terminal and follow the prompts. See detailed steps below. If the merchant has not yet updated their terminal, simply swipe your card through the reader.

Keep in mind, you can continue to use your chip card online and over the phone … the same way you do today.

It’s easy to pay at a chip-enabled terminal:

1. Insert the chip end of your card into the terminal with the chip facing up.

 

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2. Keep your card in the terminal throughout the transaction and follow the prompts on screen.

 

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3. Remove your card when prompted and take your receipt. You may need to sign for your purchase.

 

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Frequently Asked Questions

Where can I use my chip-enabled card?

You can use your card at millions of places that accept Visa cards, at home and around the world.

Why will I be receiving a new card?

In an effort to enhance security, all newly issued UFCU Visa credit and debit cards will include chip technology. The embedded chip on your card improves protection when you make purchases at chip-enabled terminals. It also provides global acceptance.

Can I still use my existing UFCU Visa credit or debit card?

When you receive your new chip-enabled UFCU Visa credit or debit card it will replace your existing card. It still provides all the same features and benefits you currently receive, in addition to enhanced security and world-wide acceptance. .

Will I have to pay any fees to use my chip-enabled card?

There are no additional fees to use your new card.

What should I do with my existing UFCU Visa credit or debit card?

Once you activate your new credit or credit card, please destroy your existing card for security reasons.

Can I use my new card at places without a chip card terminal?

Yes. Your chip card still has a magnetic stripe on the back. You can swipe it to make purchases just like you currently do. You can also continue using your card at ATM’s.

Will my card number change?

No. For your convenience, your card number will remain the same.

Will my PIN change?

Debit card PINs will NOT change. They will remain the same as your previous card.

For credit cards, we will mail a new PIN to you around the same time as your credit card.

Does my new card have all the same benefits?

Yes. You can count on the same level of benefits you always have.

Will I keep my existing reward points?

Yes. Any reward points you’ve earned will automatically transfer to your new card.

How does my chip-enabled card protect my information?

Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

Do I need to enter a PIN to pay with a chip-enabled credit card?

No. You will not need to enter a PIN to pay with your UFCU Visa credit card. However, you may need to sign for certain purchases.

Learn even more about

Visa chip technology