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Member Notice: We are aware of credit monitoring alerts notifying individuals that accounts have been opened without their authorization. To date, our investigation has confirmed that the reported alerts are false and no unauthorized accounts have been opened at McCoy. If you’ve received an alert from your credit monitoring company, please contact them directly to verify the authenticity of the alert.

Visa Chip Cards

12/1/2015

Visa Chip Cards

Count on enhanced fraud protection with chip technology

McCoy Federal's Visa Credit & Debit Cards will now come with built-in chip technology. These new cards are not only more secure - they’re also easy to use.

New Visa Debit Cards will start shipping to members September 16 and New Visa Credit Cards September 18 for replacement and renewal of existing cards until all cards have been switched.

Receive an enhanced level of security. When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Check out with ease. Follow the simple steps below to pay at a chip-activated terminal.

Enjoy global acceptance. More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay wherever Visa Debit Cards are accepted.

Keep in mind, you’re protected against unauthorized use with Visa’s Zero Liability Policy.1

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.

 

How to use Visa Chip Card


RESOURCES
McCoy Visa Chip Card Info (PDF)
VISA Chip Card Info (PDF)

FAQs

Q: What is a chip card?
A: McCoy Federal's Visa Debit Cards now feature built-in chip technology. You’ll enjoy global acceptance plus an enhanced level of security.

Q: How does chip technology protect my information?
A: Whenever you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Q: Where can I use a chip card?
A: You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.

Q: Can I swipe my chip card to pay?
A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.

Q: Can I use my debit chip card at the ATM?
A: Yes. You can still use your card to get cash, check your balance and more. Simply insert the chip end of your card with the chip facing up. Your card will remain in the ATM until your transaction is complete.