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Get big protection in a tiny chip

MSGCU Visa® Credit and Debit Cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure — it is also simple to use. Here's what you can look forward to as a cardholder.

Receive an enhanced level of security.

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. Plus, continue to use your card online and by phone…the same way you do today.

Easy to use.

Chip-activated terminals are coming to certain U.S. retailers this year — and more locations in the years to come. If a merchant cannot accept chip transactions, simply swipe your card to pay.

If a chip-activated terminal is available, follow these easy steps:

  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 on screen.
  3. Remove your card when prompted and take your receipt. You may need to sign for your purchase.

To learn more about VISA EMV chip cards, visit visachip.com.

 


Top 10 questions about chip cards

1. Why am I receiving a new card?
Your newly designed card now includes chip technology — an added security feature.

2. How does chip technology protect my information?
Every time 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.

3. Am I still protected against unauthorized charges?
Yes. If your card is ever lost, stolen or fraudulently used, you’re protected by Visa’s Zero Liability Policy.1

4. What should I do with my existing MSGCU Visa Credit/Debit Card?
Once you receive and activate your new card, your old card will no longer work. Please verify that you are replacing the correct card and destroy the old card for security reasons.

5. Where can I use my new card?
You can use your card at millions of places that accept Visa credit and debit cards, at home and around the world.

6. Can I still swipe my card to pay?
Yes. If a merchant is not yet chip-activated, simply swipe your card. Please note, you may need to sign for your purchase. 

If a merchant has chip-activated machines, simply insert the chip end of your card into the machine and follow the on-screen prompts until your transaction is complete. Keep in mind, merchants can require a debit card transaction to process as a PIN-secured transaction, so be sure to have your PIN handy.

7. Will my chip debit card work at the ATM?
Yes. You can still use your debit card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Follow the machine’s on-screen prompts until your transaction is complete.

8. Has my card information changed?
For your convenience, your card number has not changed. Your card may have a new expiration date, so be sure to update your information with billers that charge your card regularly.

9. Will my debit card PIN change?
No. You can still use the same PIN with your new debit card. In fact, be sure to keep your PIN handy as several merchants require debit cards to process as PIN-secured transactions.

10. Will I have to pay any fees to use my chip card?
No. There are no additional fees to use your new card.

 

1) Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

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