VBSFCU is issuing high-tech chip cards to all our cardholders.

These new cards contain an embedded computer chip and are already in use in much of the rest of the world. Now they’re becoming the standard in the U.S.

Information programmed into your chip card will be personalized for your account and every in-person transaction is unique, adding a strong additional safeguard against fraud.

There is no need to request your chip card. We will be rolling them out starting with cards expiring in May and yours will be replaced on the expiration month on your card.

The security code and expiration date on your new EMV card will change. Please make sure to update any automatic payments with the new information.

Introducing Chip Cards.

Enhanced Security For Your Debit And Credit Cards

1. Start the payment process by swiping your card, just as you do today. If the terminal is chip- enabled, you’ll be prompted to insert your  card. Insert your card, face up and chip end into the chip-enabled terminal.

2. Leave the card in the terminal during the entire transaction.

3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

Chip Cards Are Easy To Use
We will soon be offering debit cards with chip technology – and enhanced security.

When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information  programmed into the chip is personalized for your account and
each transaction generates a unique code that can’t be used again.

If a merchant isn’t using a chip-enabled terminal yet … you will ‘swipe’ your card to make your purchase, just as you do today. Chip cards  will continue to have the magnetic stripe on the back, allowing them to work in regular terminals.

Making purchases online or by phone doesn’t change … just provide your card information as you have  done in the past.

At an ATM … Insert your card into the terminal and follow the instructions on the screen.
Depending on the type of ATM, you might be prompted to reinsert your card. Leave the card in the  ATM until the transaction is complete and the card is released, and then remove your card.

A PIN is needed for ATM transactions.