EMV Chip Card Technology   


  TCT FCU is upgrading our credit and debit cards to include chip technology, also known as EMV (Europay, Mastercard, Visa). Chip cards offer enhanced fraud protection via a small square chip inserted into the front of the card.

Whether you are getting a new credit card, debit card or both you'll want to activate your new cards immediately and destroy your old cards. If you have scheduled any automatic charges contact those merchants and provide them with your new card information.

In an effort to prepare you for the change, TCT FCU has compiled information and resources below about how this change affects you and your accounts.

The small square chip on the front of the new card is at the heart of the card's fraud prevention. When you use your card at a chip-activated terminal, the embedded chip generates a one-time purchase code that helps prevent fraud. Using stronger authentication via data encryption and immediate purchase verification, it becomes more difficult to access, use or duplicate the information stored on your card.

Additional Information
You can use your chip card everywhere. Merchants are in the process of updating their payment terminals to process transactions using chip technology. If a merchant is not yet chip card capable, your transaction will be processed with a swipe using the magnetic strip on the back, like usual.

Although new to the United States, chip cards have been the standard form of payment in Europe and many other countries for years. With your new chip card, you'll enjoy greater acceptance when traveling abroad.
As the world gets smarter, so does your Visa card. Click the link below to watch a video about chip technology: a simple, secure and smart way to pay.

Additional Information*



What are chip cards?

  • A chip card - also called a smart card or and EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

Is a chip card more secure than my current card?

  • Yes. Chip cards add an additional layer of security to the safeguards that already protect your card.  Each time you use your chip card, it generates a code that is unique to that transaction.  This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.

How do I use them?

  • When used at merchants with chip-enabled card terminals it's as easy as:
    • Insert the card, face up and chip end first, into the terminal.
    • Leave the card in the terminal during the entire transaction.
    • Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
  • For merchants without chip-enabled terminals, you will "swipe" your card through the terminal, just as you do today.

Can I use my chip card anywhere?

  • Yes. Your chip card can be used virtually anywhere Visa is accepted in the U.S. and around the world.  If a merchant has a chip-enabled card terminal, you will insert your card during the transaction.  In the U.S., you will still be able to "swipe" your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at and ATM.

Can I still use my current card?

  • You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it.


*By using an external/third-party link you will be leaving the TCT Federal Credit Union Web site. We are not responsible for accuracy, security, or content of other Web sites. We do not represent either the third-party or the member if the two enter into a transaction. We encourage you to view privacy and security disclosures of all Web sites you visit.

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