EMV Debit

Important Information About Your AmeriCU Debit Card

All new AmeriCU EMV VISA® Debit Cards have now been mailed to members. In order to ensure uninterrupted use of your card, please read the following information carefully.

Your card number and PIN have changed. When you receive your new card you MUST call 1.866.985. 2273 to activate your card AND choose a PIN. If you do not stay on the line to choose a PIN, your card will not be activated. Deactivation of old debit cards (without EMV chip) began on September 6.

If you have not received your new card yet, or if you have any questions, please visit your local Financial Center or call our Member Service Center at 1.800.388.2000.

FAQs

What do I need to do when I receive my new card?

When you receive your new card you MUST call 1.866.985. 2273 to activate your card AND choose a PIN before September 6, 2017. If you do not stay on the line to choose a PIN, your card will not be activated.

Your card number and expiration date have changed. If you have recurring payments set up with merchants, you must provide them with your new card information to ensure your payments continue to be processed.

What if I do not activate my new card and choose a PIN?

If you do not stay on the line to choose a PIN, your card will not be activated and you will not be able to complete PIN transactions at merchants. Deactivation of old debit cards (without EMV chip) began on September 6.

When will I receive my new card?

You should have already received your new card. If you have not received your new card, please visit your local Financial Center or call our Member Service Center at 1.800.388.2000.

What if I have recurring payments?

Your card number and expiration date have changed. If you have recurring payments set up or have saved payment information, you must provide merchants with your new card information to ensure that your payments continue to be processed.

Why does my new AmeriCU VISA® Debit Card have a chip?

Your card has been enhanced with EMV microchip technology. This chip will provide you with greater protection against fraud when you use it at chip enabled terminals and will enable you more convenient use when making purchases internationally. Many merchants outside the U.S. have already adopted chip technology, and it has become the global standard. U.S. merchants have begun to switch to chip enabled terminals and are expected to see more adopt this technology over time.

What is EMV?

EMV stands for Europay, MasterCard®, and Visa®. EMV cards are embedded with a microchip. These are also called chip cards or smart cards.

What is the difference between chip cards, EMV cards and smart chip cards?

There is no difference, these are just different terms for the same technology.

What does the microchip do?

EMV cards add an additional layer of protection to your purchases and protect you against fraud by making it extremely difficult for the card to be copied or counterfeited. The chip stores payment information required to authenticate, authorize, and process your transaction. It provides you extra security by encrypting your data when you use it at chip-enables registers. The microchip does not track or store your purchase history or provide location assistance if lost or stolen. It is only for adding an additional layer of fraud protection.

How do you use a chip card?

  • If you’re shopping somewhere with a chip-enabled register, simply insert your chip card and authorize the transaction by signing your name. Most international merchants and an increasing number of stores in the U.S. have chip-enabled registers.
  • If the merchant doesn’t have chip-enabled registers, swipe and sign your name or enter your PIN the same way you always have.
  • If you are using your card online or over the phone, nothing changes. Most international merchants and an increasing number of stores in the U.S. have chip-enabled registers.
  • Using your card at chip-enabled registers is simple!
  • If making a purchase at a chip enabled merchant:
  1. Insert your card in the terminal. Be sure to leave your card in the terminal and wait until prompted to remove it.
  2. Follow the prompts.
  3. Sign for your purchase or enter your PIN.
  4. Remove your card.

If making a purchase at a merchant without a chip-enabled terminal:

  1. Since your card still has a magnetic strip, swipe your card as usual.
  2. Follow the prompts.
  3. Sign for your purchase or enter your PIN.

If making a purchase online or over the phone:

Complete your transaction as usual using the information on your card.

Do I have to pay for the chip card?

No. There’s no additional cost for the chip card.

Can I use my chip card with Apple Pay?

Yes. You may have difficulty taking a photo of your card, but you can upload your card information to Passbooktm and use it at participating Apple Paytm retailers.

Can I use my chip card at merchants that don’t have a chip-enabled terminal?

Yes. In addition to the chip, your card still has a magnetic strip, which enables you to continue using your card at merchants who do not yet have a chip-enabled terminal.

Do I need a PIN to use my card at merchant terminals?

No. You can still choose to use a PIN or sign for your purchase as you always have with your AmeriCU Debit Card.