Simple-Smart-Secure

UFB Direct Visa® Debit Cards now come with built in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure - it’s also easy to use. Here’s what you can look forward to as a card holder.

Enhanced Fraud Protection

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.

Easy to use

Banking Debit Card with EMV Chip

Get your answers to questions about chip technology

Q: What is a chip-enabled card?

A: A chip-enabled card features an embedded microchip that provides an extra layer of protection against fraud.

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 one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Q: What does a chip-enabled terminal look like?

A: Chip-enabled terminals have all the payment terminal features you are used to, with the addition of a slot to insert your card. The slot is typically located at the bottom or top of the payment terminal.

Q: How do I pay at a chip-enabled terminal?

Steps to use EMV chip card at terminal

Q: Will chip technology change the way I pay online?

A: No. Your shopping experience will not change.

Q: Has my card information changed?

A: New account holders will be issued a chip-enabled debit card. However, existing customers will receive a replacement debit card which will have a new card number and expiration date. Once you receive your new card, be sure to update your information with billers that charge your card regularly.

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

EMV Chip Card reader

If a chip-activated terminal is available follow these easy steps:

  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.
  3. Remove your card when prompted and take your receipt.

If a merchant is not yet chip-activated, you can still swipe your card to pay.