EMV Chip Credit Card

EMV (EuroPay, MasterCard, VISA) represents the latest microchip technology to increase security.

What is EMV?

EMV (EuroPay, MasterCard, VISA) represents the latest microchip technology to increase security. EMV chip technology originated in Europe and has been instrumental in preventing the spread of fraud.

Your Credit Unionā€˜s VISA Platinum Credit Card and VISA Debit Card utilize this EMV technology. Note: At the present time, our instant issue cards still feature the magnetic strip technology.

Should you have any questions, please give our VISA Department a call at 410-828-4730, option 3.

Procedures for using EMV cards

While EMV chip cards are widely accepted throughout Europe, many merchants in the United States are still updating their payment terminals to process EMV chip transactions. The Credit Union has outfitted its card with dual technology so you will still have the ability to make purchases using the magnetic strip on the back of the card where the merchant is not EMV-ready.

If the merchant is EMV-ready, you will be prompted to insert your card in the terminal. Your card will be kept safely inside the terminal while the microchip is authenticated. This may take a few seconds while authentication, verification and authorization steps occur. When this transaction is complete, you will remove your card.

If the merchant is not EMV-ready,
the transaction will process using the magnetic strip on your card.