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VISA Credit & Debit Card Security

As part of Mid-Minnesota’s commitment to protect our members, MMFCU's VISA Credit & Debit Cards come with embedded EMV Chip & PIN technology which provides an extra layer of security to your Card transactions at participating retailers. This makes it more difficult for unauthorized users to access or copy your personal Card information. You may have questions about this new technology, please see below FAQ's:

Q: How do I make a transaction with my new card?

A: To make a transaction, just follow these easy steps:

  1. Insert the your card into the terminal with the chip facing up and leave the card in the terminal until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed. 
  2. Follow the prompts on the terminal's screen, including entry of your PIN.
  3. The terminal will display the purchase amount.
  4. When your transaction is complete, the terminal screen will prompt you to remove your card. 

For merchants that do not have EMV terminals, you will make purchases by swiping your card and signing a receipt.

Q: How can I get an EMV chip-enhanced MMFCU Visa credit or debit card? 


Already have an MMFCU Visa credit or debit card?  When your current MMFCU Visa card expires, we'll automatically replace it with an EMV credit card. 

VISA Credit Card: If you don't currently have an MMFCU Visa credit card but you want an EMV credit card, you can apply online for a Credit Card (subject to approval). 

VISA Debit Card: Contact us to add a debit card to your MMFCU checking account today.

Please note that you do not need to specifically request the card be an EMV card, as ALL Visa credit & debit cards issued by MMFCU now include EMV chips.

Q: What is an EMV chip-enhanced card? 

A: EMV, which stands for Europay, Mastercard and Visa, is a global standard for credit and debit payment cards using embedded microchips. MMFCU's EMV cards have an embedded microchip that allows you to pay at merchants where chip cards are the standard. Plus, it provides improved security and protection against fraud.

In addition to the embedded microchip, MMFCU cards also have a magnetic stripe on the back. That way you can continue to make purchases at merchants who do not have EMV card terminals by swiping your card and signing a receipt. 

Q: Why has MMFCU switched to EMV chip-enhanced cards? 

A: Replacing magnetic-stripe-only cards with our new cards that enables both magnetic-stripe and chip-enhanced payments is one way we can help simplify your purchase experience as technology continues to change. All members will be up and running with this new, more secure technology when it is fully adopted by U.S. merchants. MMFCU members who travel internationally can more easily pay for their purchases. 

Q: What are the security benefits of the EMV chip-enhanced cards? 

A: EMV cards come with advanced security due to the chip technology that makes it difficult for a fraudster to counterfeit. 

Q: Do I need to get a metal wallet to secure my EMV card?

A: No. All of MMFCU’s chip-enhanced EMV cards are “contact only cards” and cannot be scanned from a distance. The metal card wallets advertised on TV are not needed to protect your card. 

Q: Are there any additional fees associated with the EMV chip-enhanced cards? 

A: No additional fees apply to MMFCU’s new EMV cards. Replacement card fees may apply, contact a Member Services representative regarding any associated fees. 

Q: Will I still get the same rewards for my MMFCU VISA Platinum Rewards Card?

A: Yes, MMFCU’s new EMV cards continue to provide all the same benefits and rewards you received with your previous credit card.