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Navy Federal Credit Union

Chip-Enabled Credit and Debit Cards

The Next Level of Security

Chip Technology

Chip cards feature an embedded microchip that provides additional protection from fraud and unauthorized use. When used at chip-enabled card readers, the card's fraud protection kicks in. The embedded chip is encrypted, safeguarding your personal information during the transaction process.

Same Great Card

An upgrade to a chip card won't change your benefits or services. It simply keeps you safer. And with Navy Federal's Zero Liability policy, you're protected from unauthorized purchases. Your chip card will provide the same great benefits and features you know and love about your Navy Federal card.

For more information on the industry's migration to chip technology, visit GoChipCard.com.

Using Your Chip Card with a Chip Reader

1) Insert card into reader.

Step One, insert card into reader.

2) Follow directions to complete transaction.

Step Two, follow the directions on the reader screen.

3) Remove card from reader when prompted.

Step Three, remove the card from reader when prompted.

If a business isn't equipped with a chip-enabled card reader, just swipe and sign as usual.

Frequently Asked Questions

What are chip-enabled credit cards?

These cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted, making it more difficult for your account to be compromised.

Where can I use my new chip-enabled credit card?

These cards can be used everywhere Visa® or MasterCard® is accepted—at the card readers that are chip-enabled and at those that aren't. Look for a two-inch slot near the PIN pad where you insert the card.

How do I use a new card?

Here is what to do:

1. Insert card into reader 2. Follow directions to complete transaction 3. Remove card from reader

If the merchant doesn't have a chip-enabled card reader, just swipe your card as usual.

Can I still use my old card after receiving my new chip-enabled card?

Once you make a purchase with or activate your new chip card, any card(s) with the same account number will be deactivated. This includes cards held by authorized users and joint owners.

Will my credit card number change?

It will only change if you have joint owners or authorized users that share the same card number. For personal credit cards, the primary cardholder will retain that account number. However, authorized users and joint account owners will receive different card numbers. For business credit cards, all cards associated with this account will be issued new, unique numbers.

This way, if one cardholder on the account needs a new card, the other cards aren't affected. This also allows you to view transaction history by cardholder from Online Banking.

Does my new card have a PIN?

While your chip card doesn't come with an assigned PIN, you can select one if you wish. Most U.S. merchants don't require a PIN; however, you may want to set one for your new card so that you can use it at ATMs and overseas at unmanned card readers, such as train station kiosks and toll booths. To choose your PIN, sign in to online Online Banking, visit a branch or call 1-888-842-6328. If you have authorized users or joint accounts, you can select a unique PIN for each card associated with the account.

What if my card is reissued?

If your card was reissued because it expired, your card number and PIN will remain the same. The expiration date and CVV2 (the three-digit number listed on the back of your card) will change. If your card was reissued due to fraud, loss or other compromise, your card's account number, expiration date, CVV2 number and PIN will change. You can re-establish your PIN online through Online Banking, in a branch or by calling 1-888-842-6328.

Is there anything I should do before using my card abroad?

We recommend setting a PIN for your card if you plan on using it overseas. To choose your PIN, call 1-888-842-6328, log in to Online Banking or visit a branch. Once you've set your PIN, use your card at a chip-enabled card reader to ensure the update is processed. To avoid having your account flagged for unusual activity, we also suggest notifying us of your travel through our mobile app,* by calling 1-888-842-6328 or by sending a secure message with the location and dates of your trip.

For more information on the industry's migration to chip technology, visit GoChipCard.com.

*Message and data rates may apply. Terms and Conditions are available. To stop receiving messages, text STOP to 4NFCU (46328). Message frequency depends on account settings. To get help with Mobile Banking, text HELP to 4NFCU (46328) or call us toll-free at 1-888-868-8123.

Frequently Asked Questions

What are chip-enabled debit cards?

These cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted, making it more difficult for your account to be compromised.

Where can I use my new chip-enabled debit card?

These cards can be used everywhere Visa® is accepted—at the card readers that are chip-enabled and at those that aren't. Look for a two-inch slot near the PIN pad where you insert the card. Be aware that, while some readers may have the slot, they may not be enabled to accept chip transactions, in which case you'll swipe like normal. The screen on the PIN pad should direct you as to whether to insert or swipe. Please follow the on-screen directions at ATMs for guidance.

How do I use a new card?

Here is what to do:

1. Insert card into reader 2. Follow directions to complete transaction 3. Remove card from reader

If the merchant doesn't have a chip-enabled card reader, just swipe your card as usual.

Are my transactions less secure if the merchant is not yet accepting chip transactions?

Navy Federal's Zero Liability policy protects you from unauthorized purchases, whether the merchant is chip-enabled or not.

Can I still use my old card after receiving my new chip-enabled card?

Once you make a purchase with or activate your new chip card, any card(s) with the same card number will be deactivated.

What information will change on my card?

If you request a replacement card, the following information will change:

  • Card number
  • Expiration date
  • Security code

If Navy Federal issues you a replacement or renewal card on your behalf, the following information will change:

  • Expiration date
  • Security code

Will my PIN change?

No. You'll be able to use the same PIN you had on your previous card. However, if you'd like to set a new PIN, you can do so online, via the mobile app*, by visiting a branch or by calling 1-888-842-6328.

When will I receive my chip-enabled card?

  • If you are currently using your debit card, you'll receive a new chip-enabled debit card sometime in 2016.
  • If you're not currently using your debit card, you'll receive a new chip-enabled debit card when your existing card is set to expire.
  • If you want to get a card sooner, you can request a replacement card through our mobile app*, by visiting any branch or by calling 1-888-842-6328.

Is there anything I should do before using my card abroad?

We recommend pre-notifying Navy Federal if you'll be traveling through our mobile app*, through Online Banking or by calling 1-888-842-6328.

For more information on the migration to chip technology, visit GoChipCard.com.

*Message and data rates may apply. Terms and Conditions are available. To stop receiving messages, text STOP to 4NFCU (46328). Message frequency depends on account settings. To get help with Mobile Banking, text HELP to 4NFCU (46328) or call us toll-free at 1-888-868-8123.

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