EMV Chip Technology

Count on enhanced fraud protection with chip technology. 

Every time you use your card at a chip-activated terminal, the embedded chip will protect your information by creating a unique transaction code.

Chip technology is available for Directions CU Visa® Credit Cards, however, not all cards currently have the chip. 

Below is an explanation on which Directions credit cards have been transitioned to the chip:
  • Existing VISA® credit cardholders:
    • We began reissuing cards with the chip in May 2015 going forward.  Each month we reissue new cards.  Cards last two years.  Upon your reissue date, your new card will arrive with chip technology. 
    • If you would like to have the chip technology card prior to your reissue date as stated above, or if you are planning international travel, please contact us to request a credit card with chip technology.
  • NEW VISA® credit cards opened will automatically have the chip technology.

Enjoy global acceptance. 

More places than ever now accept Visa credit cards. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide.

Plus you're protected against unauthorized use with Visa's Zero Liability policy.1

More and more retailers will be converting their credit card terminals to Chip card terminals. The majority of retailers will have Chip card terminals in place by October, when card fraud liability regulations change. Until then, if you run into a credit card terminal that is not Chip-enabled, just continue to use it like a traditional credit card machine (swipe your card and use the magnetic stripe reader).
Checkout is simple with a chip-enabled card:
  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 on screen.
  3. Remove your card when prompted and take your receipt (Keep in mind, you may need to sign for your purchase.)



Q: How does chip technology protect my information?

A: Every time you use your card at a chip-activated terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

Q: What information is stored on the chip?

A: The chip contains the exact same information that’s stored on your mag stripe card.

Q: What exactly does the chip do?

A: Chip cards, also known as smart cards or EMV cards, contain embedded microprocessors that assign unique transaction IDs for each transaction. They also provide strong transaction security protection and other features not possible with traditional magnetic stripe cards. Chip card technology provides an added layer of security to help minimize cardholder impact when a data breach occurs. While this technology can’t prevent all security breaches, a chip card is an important first line of defense.

Q: Where can I use a chip-enabled card?

A: You can use chip-enabled cards at millions of places that accept Visa credit cards, at home and abroad*.
*Select international transactions may require the use of your PIN.

Q: Can I still swipe my chip-enabled 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-enabled card?

A: No. There are no additional fees to use a chip-enabled card.
Q: Why aren’t a lot of merchants accepting chip cards yet?

A: The cost for merchants to upgrade to chip enabled terminals is very expensive. Many merchants are slowly upgrading terminals, but it may be an even slower process for some smaller merchants. Within time, most all merchants will be on board with accepting chip cards because of liability shifts where fraud could be involved when they only accept mag stripe cards. No longer will financial institutions take the hit for counterfeit fraud losses if they are issuing chip cards.

1Visa's Zero Liability Policy covers U.S. - issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.