EMV Chip Card

JHFCU Visa® credit and debit cards come with built-in chip technology. Not only – they’re also easy to use. The information programmed into each card is specific to each account. Every transaction is unique, adding a new safeguard against fraud.

How Do Chip Cards Work?

If a merchant is using a chip-enabled terminal, paying is easy:

  1. Insert your card, face up and chip end into the terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your personal identification number (PIN) as needed. Be sure to remove your card when the transaction is complete.    


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. 


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. Plus, continue to use your card online and by phone. 


Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card and follow the prompts. 


If a merchant is not using a chip-enabled terminal yet, you will still be able to “swipe” your card to make your purchase, just as you do today.

At an ATM

The process is essentially the same as at a merchant. Depending on the type of ATM, you may 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the ATM until the transaction is complete and the card is released, and then remove your card and any cash you may have withdrawn. A PIN is needed for ATM transactions.

On the Internet or On the Phone

Nothing has changed for transactions made online or by telephone, so you will make payments just as you do today.

Still have questions about chip card technology?

Visit visa.com

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