EMV Chip Cards

EMV Chip Cards

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Spend with Security

Enhanced Security for PFCU Debit and Credit Cards!  


We’ve got some cards up our sleeve – EMV Chip Cards! Replacing your current PFCU debit cards and credit cards, Chip Cards provide an additional layer of security with an embedded, encrypted microchip containing dynamic, card-specific data that makes counterfeiting extremely challenging.

EMV MasterCard Platinum Credit Card

PFCU will be replacing your current credit card with our new EMV Chip Card!  When you receive your new MasterCard Platinum Credit Card Chip Card, be sure to activate it right away and destroy your old card. Also, be sure to contact any merchants you have automatic payments set up with as you need to update your new card's expiration date with them, since this information changes with your new chip card. 

What happens when you make a transaction? 

If the merchant is EMV Chip Card compatible, you will insert your card into the point-of-sale terminal and follow the instructions on the terminal.  It’s important that you leave your card in the terminal until the transaction is complete, otherwise the transaction will not be processed.  When your transaction is complete, be sure to remove your card. 


FAQ’s About Chip Cards

  • What is a Chip Card? Chip Cards come with an encrypted microchip embedded in the card. The microchip provides an enhanced layer of security to transactions.
  • Why is my card being upgraded to a Chip Card? Chip technology is already used in other countries and now is coming to the U.S. Chip Cards provide an extra level of security and is easier to use at places already using chip technology.
  • How is the Chip Card more secure? The embedded microchip provides unique data specific to your card and the transaction being processed. These security features make Chip Cards extremely difficult to counterfeit.
  • Can I use my Chip Card for everyday transactions or at non-chip terminals? Yes! Chip Cards will also have the usual magnetic stripe on the back so you can continue using your card at ATMs and point of sale terminals while merchants in the U.S. are transitioning.

Play Your Cards Right

Use the EMV Chip Card! Cards will be issued for all members that currently have a PFCU debit card, followed by a reissuing of all PFCU credit cards.

For more information about EMV cards click herecontact us or visit one of our convenient PFCU branches.