Now With Chip Technology
The Five Star chip cards feature an embedded microchip that provides additional protection from fraud and unauthorized use. Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. The card also features "tap to pay." Look for "tap to pay" at the terminal. As an added bonus, our cards are now issued in the branches, so you get your card the same day.
Same Great Card
An upgrade to a chip card won't change your benefits or services. It simply keeps you safer. And with Five Star Credit Union, you're protected from unauthorized purchases. Click the video to see more.
Frequently Asked Questions about Chip Cards
What are chip-enabled credit cards?
They are cards that have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. The chip and the transaction are heavily encrypted, making it more difficult for your account to be compromised.
Where can I use my new chip-enabled credit card?
These cards can be used everywhere Visa® or Mastercard® is accepted—at the card readers that are chip-enabled and at those that aren't. Look for a two-inch slot near the PIN pad where you insert the card.
How do I use a new card?
Here is what to do:
Why do I need to leave my card in the terminal?
While your card is in the chip-activated terminal, the embedded chip creates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. If you remove your card
too soon, your transaction will be canceled.
Can I still swipe my card to pay?
Yes. If a merchant is not yet chip-activated, simply swipe your card. Keep in mind, you may need to sign for your purchase.
What is Tap To Pay?
Your new card can also use terminals that have "tap to pay" or contactless terminals. Look for the wave symbol on the machine. You hold the card the entire time. It's an added security feature.
Will my credit card number change?
It will only change if you have joint owners or authorized users that share the same card number. For personal credit cards, the primary cardholder will retain that account number. However, authorized users and joint account owners will receive different card numbers. For business credit cards, all cards associated with this account will be issued new, unique numbers.
This way, if one cardholder on the account needs a new card, the other cards aren't affected. This also allows you to view transaction history by cardholder from Online Banking.
Does my new card have a PIN?
While your chip card doesn't come with an assigned PIN, you can select one if you wish. Most U.S. merchants don't require a PIN; however, you may want to set one for your new card so that you can use it at ATMs. If you have authorized users or joint accounts, you can select a unique PIN for each card associated with the account.
What if my card is reissued?
If your card was reissued because it expired, your card number and PIN will remain the same. The expiration date and CVV2 (the three-digit number listed on the back of your card) will change. If your card was reissued due to fraud, loss or other compromise, your card's account number, expiration date, CVV2 number and PIN will change.
For more information on the industry's migration to chip technology, visit GoChipCard.com.
