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EMV Chip Card Technology

What is an EMV Chip Card?

EMV is the newest technology for point-of-sale terminals that offers you more security and prevention from card skimming, counterfeit replication and other types of card fraud. With your security as our top priority, your EMV card has an embedded microprocessor chip in it that encrypts transaction data differently for each purchase. A credit card or debit card with a microchip is more secure than one with just a magnetic stripe on the back because the account information is encrypted in the chip making it more difficult to fraudulently copy the card’s details.

Currently WESTconsin Credit Union’s Platinum Visa, Platinum Business Visa and UW-River Falls Alumni Platinum Visa credit cards and debit cards are the only EMV chip-enabled cards. Additional EMV cards may be added in the future.

A New Way to Pay

When it comes to enhanced security, chip-activated terminals are taking things to a whole new level.

EMV Technology Step 1

Step 1: Insert your card "chip first" into the chip-enabled reader on the terminal

EMV Technology Step 2

Step 2: Leave the card in the terminal and follow the prompts on the screen

EMV Technology Step 3

Step 3: Remove the card when the terminal indicates that the transaction is complete

Easy to use

Use your EMV card to make transactions at the same places you do today. For merchants who have chip-enabled terminals, insert your card and approve your purchase. Otherwise, swipe your card as you normally would.

Frequently Asked Questions >



Added layer of security

The new chip on your card provides additional security when used at a chip-enabled terminal. Data stored on the chip is more difficult to counterfeit. No matter how you use your card, every purchase is also covered by zero liability protection.

Accepted everywhere

Chip-enabled terminals are coming to stores throughout the U.S. so you'll be ready to use your card when you see the new terminals. You’ll enjoy greater acceptance when traveling as chip cards are common in over 130 countries around the world, including Canada, Mexico and the United Kingdom.

WESTconsin Credit Union Notification:

You are now leaving the WESTconsin Credit Union website and going to a website not operated by WESTconsin. WESTconsin is not responsible for the content of this site and the privacy and security policies may differ from those practiced by WESTconsin. The third party website may provide less security than WESTconsin's website. WESTconsin does not represent the third party or you if you enter into a transaction. WESTconsin is not endorsing or guaranteeing the products, information or recommendations provided by linked sites. WESTconsin is not liable for any failure or services advertised on third party sites.