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Home » Credit Card » EMV Chip Card

Get big protection in a tiny chip

All Apple FCU Visa® Credit and Debit Cards now come with built-in EMV chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. The card is not only more secure – it’s also easy to use. Here’s what you can look forward to as a cardholder.

Enhanced fraud protection.

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.

Global acceptance.

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.

Easy to use.

If a chip-activated terminal is available, simply insert your card and follow the prompts. If not, just swipe your card.

Keep in mind, you can use your chip card online and over the phone … the same way you do today. No matter how you pay, you’re protected against unauthorized use with Visa’s Zero Liability Policy.

Learn more about the EMV Chip Card

How to use a chip-activated terminal:

  1. Insert the chip end of your card into the terminal with the chip facing up.
  2. Keep your card in the terminal and follow the prompts.
  3. Remove your card when prompted and take your receipt.

If a merchant is not yet chip-activated, you can still swipe your card to pay.