INTRODUCING CHIP CARDS

Texas DPS Credit Union is now offering debit cards with chip technology. The embedded computer chip provides more security.

 

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.

 

 

 

Apply for a Debit Card Today

 

 

"Selecting 'Credit' vs 'Debit'"
How it benefits you!

 

 


Introducing Enhanced Security Chip Cards

 

Learn More About Chip Cards

Watch this short video.

 

 

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.

    1. 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 ask the merchant how to select "credit" vs "debit".

 

 

Select "Credit" vs "Debit" at the Terminal

Learn how using your debit card as "credit" benefits you and the credit union.

 

When will I get my chip card?

Your card will be replaced with a new chip card as your current card expires. Once your new card arrives, be sure to activate it for use and then destroy your old card. Your current "mag stripe" card will be deactivated as soon as you activate your new chip card.

 

There is no need to request a new card. You'll automatically receive your new chip card in the mail before your card's expiration month. For example, all cards with a September expiration month, whether 2016, 2017, or 2018, will be replaced with a chip card before the end of September 2016. There is no extra charge for the new chip card.

 

 

 


Chip Card Frequently Asked Qustions

Click the question to reveal the answer.

 

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Chip Card FAQ
What are Chip Cards?

A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

 

These cards, already is use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.

Is a chip card more secure than my current card?

Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.

What information is on the chip?

The chip contains information about a cardholder's account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

How do I use them?

Begin the payment process by ‘swiping’ your card, just as you do today. If the payment terminal is chip-enabled, you will be asked to insert your card.

 

  1. Insert the card, face up and chip end first, into the terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.


For merchants without chip-enabled terminals, your payment will process as it normally does from your initial swipe.

Can I use my chip card anywhere?

Yes. Your chip card can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.

When will I get my chip card?

We will be rolling out chip cards to all of our cardholders, so there is no need to request one. You will receive your new card in the mail before your current card's expiration month. For example, all cards with a September expiration month, whether 2016, 2017, or 2018, will be replaced with a chip card before the end of September 2016. For more information, call the number on the back of your card or visit our branch.

Can I still use my current card?

You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it.

Do I need to sign the back of the card?

Yes. You still need to sign the back of your card.

Chip Card FAQ

Can I use it to make purchases online or by phone?

Yes. You can use your chip card to make these purchases as you do today.

Can I use my card at an ATM?

Yes. For ATM transactions, insert your card into terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money you might have withdrawn.

When I used my chip card, I was asked to select between “Debit” and “Visa Debit”. Which one should I choose?

It is fine to select either one – your transaction will work either way.

What is the difference between chip and signature and chip and PIN?

You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks.

What if my card is lost or stolen?

It's important to report a lost or stolen card immediately. During business hours, call the credit union at 1-877-252-9199. After hours, call 1-800-472-3272.


Will chip cards prevent data breaches?

While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

How am I protected?

With Zero Liability–All debit and credit cards that we issue come with 'zero liability protection,' so you are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.

Does a chip card contain more information about me that could be stolen?

No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.

 


 

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Texas DPS Credit Union | 621 W. St. Johns Ave | Austin, TX 78752
Mailing Address | PO Box 15346 | Austin, TX 78761
Toll Free 1(877)252-9199 | Austin (512)452-5211

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