EMV

EMV stands for Europay, MasterCard and Visa.  It is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions.

About EMV

Here is some important information about your new VISA.

  • This new card adds improved security and fraud protection with an embedded chip.
  • Merchants are currently installing new payment terminals that support the new chip cards.
  • When making a purchase with your chip card in a new terminal, you will insert your card into the terminal slot and briefly hold it there until the card is verified with LFCU.
  • You still may be required to enter your card’s PIN or sign for transactions.
  • Your card will also work on existing payment terminals that don’t use the new technology. Because of the extra security with EMV, we encourage you to use the EMV purchase option wherever it is available. You will also be able to continue to use your cards at ATMs worldwide.

Visa Chip Card Technology Video


LFCU Debit Cards were issued the middle of April with the NEW EMV feature.

EMV Debit FAQs
  1. What is this letter I received in the mail? Members who have used their debit card in the past twelve (12) months, received a letter in the mail the first week of April, announcing the upcoming arrival of their new EMV debit card.
  2. Will I automatically receive a new EMV debit card in the mail? Only members who received the letter in the mail, or have been issued a card that has not been used in the past twelve months, will automatically receive a new EMV debit card in the mail. If you'd like to know if you are receiving a new EMV debit card in the mail, please give us a call at 717-272-2210.
  3. What if I didn't receive a letter in the mail? This may or may not mean that you will automatically receive a new EMV debit card in the mail. If you are unsure, please give us a call at 717-272-2210.
  4. Will my old non-EMV debit card continue to work? Non-EMV debit cards will continue to work for one (1) month after receiving the new EMV debit card in the mail. After that time frame, for security purposes, they will be captured and closed.
  5. So does that mean I am getting a new debit card number? Yes, all new EMV debit cards will be brand new card numbers. This is a security feature, since this particular card number will only be associated with an EMV debit card, and not with a non-EMV debit card. This will protect your card, your funds, and the credit union at a higher standard than if we kept the old non-EMV debit card numbers active.
  6. What if my old non-EMV debit card was on an Exception List for travel? Please utilize your LFCU mobile app to submit any travels, etc. Log into the mobile app, and click on Card Controls in order to process these requests. If you have any questions, please give us a call at 717-272-2210.
  7. What if I use my old non-EMV debit card to pay bills, etc? Members are responsible for updating their card information to all merchants that currently use their non-EMV debit card numbers. One the old non-EMV cards are captured and closed, all automatic payments will cease to process.
  8. How do I activate my new EMV debit card? There will be a sticker on your new card with a phone number (800-411-6390) and website (www.activatemycards.com) you may utilize. We verify identity at card activation by asking for the last four (4) digits of your social security number and date of birth. Please Note: If we are missing any of this information on your account, you will have to contact LFCU in order to activate your card during normal business hours.
  9. Can I change my PIN on my new EMV debit card? Yes, you can change your PIN on your new EMV debit card just like the way you can now with your non-EMV debit cards, by visiting your local branch.
  10. Do you offer instant issue for the new EMV debit cards? Yes, we offer instant issued EMV debit cards at all of our branch locations. You may choose your background and your PIN.

When you receive your new EMV card in the mail, we ask that you activate your new card immediately and destroy your old card. We would like you to benefit from the enhanced security features that are intended to protect both you and LFCU as soon as possible. Upon receipt of your new EMV card, please immediately notify any merchants you may currently have automatic payments set-up with, as your card number will be changing.

Failure to notify the merchant of the new card number will result in transactions being declined.

Click Here to Learn More about Chip Cards