CrossRoads Community credit cards now feature chip technology
This embedded microchip provides extra security against fraud by encrypting customer data when used at chip-enabled registers. It's a proven technology that's been in use for over a decade in more than 80 countries worldwide, and now CrossRoads Community FCU is implementing it to make your MasterCard more secure.

What is a chip card?
A chip card is a credit or debit card embedded with a microchip. This “chip” turns your account info into a one-time unique code when used at a chip-enabled register. This code adds an additional layer of fraud protection to your card.

How do I use a chip card?
If the places you shop have chip-enabled registers, simply insert your chip card and authorize the transaction by signing your name. If they don’t have chip-enabled registers, swipe and sign your name the same as always. For phone or online transactions, nothing changes.

Does CrossRoads Community FCU offer chip cards?
CrossRoads Community FCU started issuing the "Chip" Master Credit Card in September 2017.

What is EMV?
EMV stands for Europay, MasterCard®, and Visa®. It's a credit card that's embedded with a microchip. We simply call this your chip card.

Is there any difference between a “Chip and PIN” card and a “Chip and Signature” card?
Both Chip and PIN and Chip and Signature cards offer better fraud protection than traditional magnetic stripe cards. The only difference is that the Chip and PIN card requires you to enter a PIN at checkout while the Chip and Signature card only requires your signature. Good news! CrossRoads Community FCU chip cards will be Chip and Signature cards, so there’s no additional PIN to remember.

What’s the difference between “Chip” cards, “Smart Chip” cards, and “EMV” cards?
Really, there’s no difference at all. Chip cards, Smart Chip cards, and EMV cards are names different companies use for the same security technology.

Do I have to pay for the chip card?
Nope. There’s no additional cost for the chip card. As a CrossRoads Community FCU cardholder, you should have the benefit of greater security without having to pay for it.

What does the chip do? Is it a GPS chip?
The chip codes certain parts of your transaction when used at participating merchants. It does not track or store your purchase history or provide location assistance if lost or stolen. It is only for adding an additional layer of fraud protection.

Can I scan my chip card?
No. This card is not contactless and cannot be scanned.

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