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EMV Chip Cards


What is a chip card? A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.

What is a smart card or EMV card? You may hear chip cards referred to as "smart cards" or "EMV cards" – they're all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.

Are chip cards secure? Yes. Chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature at chip-enabled terminals, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy. While magnetic stripe cards are still considered secure, chip technology is the next step to providing enhanced security to our members. 

In the event your personal identity or information has been stolen (including your checkbook, credit cards, and debit cards), notify Star Choice Credit Union immediately. Timely notification will protect the security of your account.

If you are unable to contact us during regular business hours, please leave a detailed message when you call. Include the following information:

     • Full name
     • Account number
     • Contact information - please provide the number you can be reached at.

24/7 DEBIT CARD SUPPORT: 1-800-528-2273

If you have noticed fradulent activity on your debit card, please contact the Enhanced Chargeback Support Line at 800-808-6402 from 7 a.m. - 7 p.m. CT.