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Enhanced Security Chip Cards

Enhanced security for your Debit Cards!

Granite State Credit Union now offers debit cards with chip technology. The embedded computer chip provides more security and wider 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 the chip-enabled terminal:
  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 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.

Frequently Asked Questions
What are chip cards?
Is a chip card more secure than my current card?
Can I use my chip card anywhere?
Can I still use my current card?
Do I need to sign the back of the chip card?
What is the difference between chip and signature and chip and PIN?
What if my card is lost or stolen?
Will chip cards prevent data breaches?
What if a merchant isn't using a new, chip-enabled terminal yet?
How do I use the chip card for online or phone purchases?
How do I use the chip card at an ATM?
When will the change happen?
How am I protected?

What are chip cards?
A chip card, also called a smart card or 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 in use in much of the world, use a security standard originally developed by EuroPay, MasterCard, and Visa as a way to fight 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 use if fraudulently for in-store purchases.

Can I use my chip card anywhere?
Yes - your chip card can be used virtually anywhere this brand of card is accepted around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction.

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 chip card?
Yes, you still need to sign the back of your card.

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. Keep a record of the telephone number on the back of your card and call it if necessary.

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.

What if a merchant isn't using a new, chip-enabled terminal yet?
You will swipe your card to make your purchase just as you do today. Chip cards continue to have the magnetic stripe on the back.

How do I use the chip card for online or phone purchases?

Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.

How do I use the chip card at an ATM?

The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts 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. A PIN is needed for ATM transactions.

When will the change happen?
Even though chip cards have started being issued in the U.S. and some merchants have already installed chip-enabled card terminals for payment, the entire conversion process is expected to take a few years to complete. That's why chip cards will continue to have a magnetic strip on the back - so if a merchant or ATM is not yet chip-enabled, your transaction can still be processed using the magnetic stripe as it is today.

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. 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 date. There is no extra charge for the new card.

How am I protected?
All debit 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.

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