Learn more about EMV
EMV (Europay, MasterCard and VISA) is here for our Harvester Financial Credit Union VISA cards and Debit cards. Some vendors have already changed over to enabling EMV chips in their terminals, but not all vendors are ready.
EMV cards are accepted globally and are more secure.
What is EMV?
EMV (Europay, MasterCard and VISA) is a special chip that is inserted into your debit or credit card. When this chip is inserted into the bottom of the terminal face up. It stays in there longer because the chip communicates with the terminal for authorization. The chip has been proven to help prevent fraudulent transactions for transactions that do not occur online.
How will I still be safe for online purchases with my EMV chip card?
Before making any purchase with any debit or credit card, please follow these tips to help prevent fraudulent use of your debit or credit card:
All of these things can help prevent against fraud for online purchases.
Please go to PSCU's website and watch the short video on the bottom of the screen to learn more about how to use the EMV chip card: EMV Education
What you need to do:
Your CVV code and expiration date are different with your EMV card than your old card. Any merchant that you authorized to charge your account such as Bill Pay accounts, etc. must be updated with your new information.
When you are at the store:
1) Insert your EMV chip card face up in the terminal. Keep the card in there.
2) Sign for the transaction or enter PIN number.
3) Pull your card out.