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FAQ
Heartland Credit Union is now offering instant issue EMV credit and debit cards in all branches.  EMV technology makes your HCU credit or debit card more secure and enables it to be used at more places around the world.

Europay, Mastercard, VISA, or EMV cards, contain a small metal chip that holds encrypted card information. Every time you use a chip card at a chip-enhanced terminal, a unique transaction code is created that protects your information.  Because of this technology, an EMV chip card is nearly impossible to counterfeit and dramatically increases the security of every transaction. Your transaction may take just a little longer to complete with a chip card, but the added security is well worth it.

On top of all the added security, you will be able to use your HCU VISA at even more places worldwide.  You'll enjoy even greater convenience anywhere you travel, as chip cards are common in over 130 countries, including Canada, Mexico, and the United Kingdom.

Since chip technology is new to the United States, some merchants have not adopted the new chip-enhanced terminals.  Your HCU VISA will still have a magnetic stripe for use at merchants that have not migrated to the new technology.

The process for completing a transaction using the card technology is different from your traditional swipe card but is just as easy and convenient. To make a transaction, just follow these easy steps:

1. Insert the chip portion of the card into the terminal with the chip facing up and leave the card in the terminal until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed.

2. Follow the prompts on the terminal's screen.

3. The terminal will display the purchase amount. When your transaction is complete, the terminal screen will prompt you to remove your card. Your transaction may take a little longer to process with a chip card so be patient and leave your card in place until you are prompted to remove the card. The added security to your account will be well worth it.

chip-card-terminal-steps

What are EMV or chip cards?

A chip card is similar to the card you currently have, except that it has an embedded microchip which is encrypted making it extremely difficult for the card to be copied or counterfeited.

How does a chip card work?

If a retailer has a chip-enabled terminal, you can make purchases by inserting your chip card face-up, with the chip end first, into the terminal and leaving it there for the duration of the transaction.  Your signature or PIN will then be required to complete the transaction.

Will I still be able to swipe my card?

Yes, all HCU VISA cards will still have the magnetic strip on the back.  This will allow the card to be used like a traditional card at merchants that don't have the new chip-enabled terminals.

Does a chip card work in an ATM?

Yes, your HCU chip card will work in both chip-enabled machines as well as traditional swipe machines. If you use a chip-enabled ATM, you will need to insert your card and leave it in the machine while you make your transaction.

Will the process of paying with a chip-enabled card at a restaurant or bar change?
Yes. If the restaurant or bar accepts EMV-chip cards, they will bring a portable card reader to the table to allow you to complete the payment process. This helps to protect card information from being stolen, as your card no longer leaves your sight as it did before. Remember, if a chip terminal is not available, you will still be able to make purchases by swiping your card and signing the receipt.

Are chip cards secure?

Yes, chip cards are very secure.  The technology in a chip card makes them extremely difficult to copy or counterfeit.  Every time you use your chip card, the chip protects your information by creating a unique transaction code. This prevents stolen data from ever being used fraudulently.

How does chip technology protect my information?
Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

What information is stored on the chip?

The chip stores information required to authenticate, authorize, and process transactions.  The process the chip uses to complete the transaction makes the card more secure than traditional magnetic strip cards.  No personal information is stored on the chip.

Why is my card being upgraded to a chip card?

Chip card technology is already in use in other countries and is now coming to the United States.  Upgrading your card will provide you with greater security for your transactions. It will also provide more convenience should you decide to travel to other countries where chip cards are the standard.

When will I receive my new chip card?

We will be replacing all current credit and debit cards with EMV cards by fall of 2016.

Do I have to receive a new chip card?

Yes, we are providing new chip cards to all of our members.

Will my current PIN work with my new card?

Yes, your current PIN will be valid for your new chip card.

What should I do with my existing card?
Once you have recieved and activated your new chip card, please destroy your existing card.

Will the VISA No Liability Policy still apply to chip cards?

Yes, all transactions made using your EMV credit card will be covered by Visa's Zero Liability policy. This give you the ability to contest all unauthorized charges made on your card.  Since HCU manages its own VISA card program, you’ll be speaking directly with an HCU staff member when you call.