Introducing EMV Chip Cards

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Enhanced Security For Your Debit Card

All debit cards issued by St. Mary's Credit Union now come with chip technology. This embedded computer chip provides more security and wider international acceptance. 

When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again.

When will the change happen?

Even though chip cards are being issued in the U.S. and some merchants have already installed chip-enabled card terminals for payment, the entire conversion process is expected to take a few years to complete.

That's why chip cards will continue to have a magnetic stripe on the back. That way, if a merchant's terminal or an ATM is not yet chip-enabled, your transaction can still be processed using the magnetic stripe as it is today.

When will I get my chip card?

Your card will be replaced with a new chip card as your current card expires. 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.

If you are planning to travel internationally or have an immediate need for a chip card, please contact us at 866-585-7628.

Can I use my chip card anywhere?

Yes. Your chip card can be used anywhere MasterCard® is accepted in the U.S. and around the world.

Chip Cards Are Easy to Use EMV-HowTo

  1. Insert your card, face up and chip end into the chip-enabled 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 PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

If a merchant isn’t using a chip-enabled terminal yet… you will ‘swipe’ your card to make your purchase, just as you do today. Chip cards will continue to have the magnetic stripe on the back, allowing them to work in regular terminals.

Making purchases online or by phone doesn’t change… just provide your card information as you have done in the past.

At an ATM… Insert your card into the terminal and follow the instructions on the screen. When using chip-enabled ATMs, you may be prompted to reinsert 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.

If you have any additional questions about our EMV Chip Debit Cards, please give us a call at 866-585-7628 and we'll be happy to assist you.

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