Introducing Chip Cards
Enhanced Security for your Debit and Credit Cards
Heartland FCU will soon offer debit and credit cards with chip technology. The embedded computer chip provides more security and wide international acceptance.
A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.
These cards are already in wide use around the world and are now becoming the standard in the U.S.
Follow these steps to use your card at a chip-enabled terminal
Start the payment process by 'swiping' your card, just as you do today. If the terminal is chip-enabled, you will be instructed to insert your card.
- Insert your card, face up and chip end into the chip-enabled terminal.
- Leave the card in the terminal during the entire transaction.
- 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.
When will I get my chip card?
You will receive your new chip-enabled debit card by the end of March 2016. You will receive your new chip-enabled credit card by the end of April 2016. You will automatically receive your new chip card in the mail so there is no need to request a new card. There is no charge for the new chip card.
