Connexus Debit/ATM Cards and Credit Cards are now EMV Chip-Enabled. EMV chip technology is the new standard of security that features a small microchip used to authenticate chip-card transactions and keep your data safe.
Prior to your Connexus Debit/ATM cards expiration, you will receive a new EMV Chip-Enabled card. You can also request a new EMV chip card, at no cost to you, by contacting our Member Contact Center.
Regardless of which card you use – you still have great fraud protection and are not held liable for fraudulent activity on your account.
Not every retailer accepts EMV chip cards yet. If you are somewhere that accepts chip technology, simply slide your card, chip-end first, into the machine and follow the prompts. Be careful not to remove your card until it says you’re okay to do so. If the terminal isn’t chip-enabled, simply swipe your cards magnetic strip and proceed like you normally would.
Please see below for a list of Frequently Asked Questions or contact us with any questions.
Why are EMV chip cards more secure than traditional magnetic stripe cards?
EMV chip-enabled cards have a microchip embedded that creates a unique transaction code for each transaction you make. The code can’t be duplicated – meaning that if someone steals your card information from a transaction (the most common cause of fraud), they can’t access your card information.
How do I use my EMV chip card to make a purchase?
If you are somewhere that accepts chip technology, simply slide your card, chip-end first, into the machine and follow the prompts. Be careful not to remove your card until it says you’re okay to do so. If the terminal isn’t chip-enabled, simply swipe your cards magnetic strip and proceed like you normally would.
Where can I use my EMV chip card?
You can use your card anywhere you normally would. If the retailer’s terminal you’re checking out in is chip-enabled, use that feature as described above. If it’s not a chip-enabled terminal, just swipe your cards magnetic strip and proceed like you normally would.
If I want to use my EMV chip card at a merchant that doesn’t have a chip-enabled terminal, will I still be able to do a transaction?
No worries – there’s still a magnetic strip on your card so you can use it anywhere chip terminals aren’t up and running yet.
Will I still have to sign or enter a PIN for my credit transaction?
In most cases, you will continue to enter your PIN or sign for a transaction as you do right now. This is because the EMV chip on the card works to protect the card and your account information. Entering a PIN or signing your name proves you’re you and not someone pretending to be you.
What does EMV card stand for?
EMV stands for Europay, MasterCard and Visa – names from its original creators.
Will I be liable for any fraud committed using my card before I get my EMV card?
Fraud liability will be the same for you, no matter which card you’re using. As always, watch your transactions carefully and contact us with questions about anything suspicious.