Introducing Chip Cards
Enhanced Security for your Debit and Credit Cards
Pinal County Federal Credit Union will soon offer debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.
A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. 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.
Follow these steps to use your card at a chip-enabled terminal:
Start the payment processing by "swiping" your card, just as you do today. If te terminal is chip-enabled, you will be instructed to insert your card.
1) Insert your card, face up and chip end into the chip-enabled terminal.
2) Leave the card inthe terminal during the entire transaction
3) Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
When will the change happen?
Even though chip cards are being issued in the U.S. and some merchants have already installed chip-enabled terminals for payment, the entire conversion process is expected to take a few years to complete.
When will I get my chip card?
Your card will be replaced with a new chip card as your current card expires (for debit cards beginning October 2016) Once your new card arrives, be sure to activate it for use and then destroy your old card. There is no need to request a new card. You'll automatically receive your new chip card in the mail before your card's expiration date. There is no extra charge for the new chip card, (unless you order prior to your expiration date.)
Frequently asked questions
for a list of frequently asked questions pertaining to EMV.
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