EMV Micro-Chip Technology

Your Fulda Area Credit Union debit and credit cards will be upgraded with new features upon expiration. This upgraded feature is known as EMV micro-chip technology which enhances fraud protection, providing an additional level of security for your transactions.

Micro-chips enable a more secure process by creating unique data identifying your debit card and transaction. This process increases the difficulty to counterfeit.

When your current Fulda Area Credit Union debit and/or card naturally expires, you will be issued a new card with these enhanced security features. Using your new card is easy! During a transaction, such as purchasing groceries, you will insert your debit card into the card reader. This is a different technique than “swiping” your card. The retail card reader will prompt you to remove your card after the transaction has been processed.

In addition to the micro-chip technology, your card will continue to have a magnetic strip on the back so it can be used at retailers who are not equipped with the EMV micro-chip readers.

EMV cards do not completely eliminate card fraud, but it does make a significant difference on your security protection.

Emv Chip


Q: What is an EMV chip-enabled card?

A: EMV chip cards contain embedded microprocessors that provide strong transaction security features and other application capabilities not possible with traditional magnetic stripe cards.

Q: When will I receive my new chip-enabled card?

A: Your debit and/or credit card will be upgraded to an EMV chip-enabled card upon the expiration of your current card.

Q: Will my card work if I swipe to pay?

A: Yes, if a merchant is not yet chip-enabled, your card will continue to work by swiping to pay.

Q: Has my card information changed?

A: Your card number and PIN have not changed. Although your expiration date is new, so be sure to update your information with companies who automatically bill your card (automatic payments).

Q: How does chip technology protect my information?

A: When you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

Q: Where can I use my chip-enabled card?

A: You can use your card at any merchant who accepts Visa. Although the merchant may not be chip-enabled yet, your card will still work if you swipe to pay.

Q: Will I have to pay any fees to use my chip-enabled card?

A: No. There will be no additional fees to use your new card.

last edited on 06/10/16