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Credit Cards

Chip Technology

IBMSECU Visa Credit Cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure – it’s also easy to use. Here’s what you can look forward to as a cardholder.

chip technology
Enhanced fraud protection.

When 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.

Global acceptance.

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa credit cards are accepted.

Easy to use.

Simply swipe your card like you do today. However, if a chip-activated terminal is available insert your card instead and follow the prompts.

No matter how you pay, you‘re protected against unauthorized use with Visas Zero Liability Policy.*

Keep in mind, you can continue to use your chip card online and over the phone … the same way you do today.
 

See how easy it is to pay at a chip-activated terminal

 

 

If a chip-activated terminal is available, follow these easy steps:

  1. Insert the chip end of your card into the terminal with the chip facing up.
  2. Keep your card in the terminal and follow the prompts.
  3. Remove your card when prompted and take your receipt.

If a merchant is not yet chip-activated, you can still swipe your card to pay.
chip terminal

Q: What is a chip card?

A: IBMSECU Visa Credit Cards now feature chip technology. You’ll enjoy global acceptance plus an enhanced level of security.

Q: How does chip technology protect my information?

A: Whenever 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.

Q: Where can I use a chip card?

A: You can use your card at millions of places that accept Visa credit cards, at home and around the world.

Q: Can I still swipe my card to pay?

A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card.

Q: Will I have to pay any fees to use a chip card?

A: No. There are no additional fees to use a chip card.

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