Visa: Chip Technology

Big protection in a tiny chip


SIU Credit Union Visa® Credit Cards come with chip technology built right in. This tiny chip protects your card information in a big way.

Count on enhanced fraud protection with chip technology

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

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

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See how easy it is to pay at a chip-activated terminal



Answers to questions about chip-enabled Visa credit cards:

Q: What is a chip-enabled credit card?
A: SIU Credit Union Visa Credit Cards will now feature chip technology. You’ll receive an enhanced level of security as well as global acceptance.

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: 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.

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: Will I get to choose my own PIN?
A: Unfortunately, you won't be able to choose your own (PIN) personal identification number. Each EMV chip has a specific number associated with it for security purposes. We apologize for the inconvenience. 

1 Visa’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.


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