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EMV Chip Security

Fraudsters have been put on notice! All of OKCU's credit and debit cards feature EMV (EuroPay, MasterCard, Visa) Chip Security.

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Fraudsters have been put on notice! All of OKCU's credit and debit cards feature EMV (EuroPay, MasterCard, Visa) Chip Security. WATCH VIDEO
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Safety first! Use your OKCU debit or credit card with an EMV chip to experience an extra layer of security

EMV technology has been all the rage in Europe and has dramatically decreased the amount of fraud. Your OKCU debit and credit cards now contain an EMV embedded microchip.

It's a baby computer in your wallet

  • A new standard of security for your debit and credit cards
  • Protect yourself against fraudsters when you physically go to the store and use your card
  • Accepted worldwide - just make sure to alert us if you're traveling

Talk to a PRO about your EMV debit or credit card

How do I use my EMV credit or debit card?

The EMV chip is a minicomputer that holds encrypted information, making it extremely difficult for the card to be copied or counterfeited. Rather than swiping your card, you will insert your chip card into a chip-enabled terminal to complete a transaction.

Talk to a PRO about your EMV debit or credit card

What are the security benefits of my chip-enhanced card?

Your new card comes with advanced security due to the chip technology that makes it difficult for a fraudster to counterfeit your card. A unique one-time code is generated behind-the-scenes that is needed for the transaction to be approved - a feature that is virtually impossible to replicate in a counterfeit card.

Talk to a PRO about your EMV debit or credit card

Where can I use my EMV card?

Use your chip card at the exact same merchants you do now, by inserting the card into terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled terminals. You can also continue to use your card as you did before for online and telephone payments.

In addition to the embedded microchip, your new card has a magnetic stripe on the back and you will be able to make purchases by swiping your card at merchants who have not yet switched to chip-enabled terminals.

Talk to a PRO about your EMV debit or credit card
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    OKCU has also shown me the way to financial security, by having the best rates, great supportive staff, well designed and easy to use website and financial education.

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    I have been with OKCU for over 10 years now and I have had such wonderful service! I feel like I am a part of a family with OKCU, as they go above and beyond to make sure I am taken care of.

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