Our Mastercard Debit Cards and Visa Credit Cards offer Members more security with the help EMV chip technology. A microchip, also known as an EMV chip, embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale and provides wider international acceptance for cardholders. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting. These cards are already in wide use around the world and are now becoming the standard in the U.S.
For questions about EMV chip cards, please visit our FAQ page.
Start the payment process by ‘swiping’ your card, just as you do today. If the terminal is chip-enabled, you will be instructed to insert your card.
Your payment will process as it normally does from your initial ‘swipe’. Chip cards will continue to have the magnetic stripe on the back.
Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.
The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.