Visa Chip Cards

To give you another layer of protection, we have embedded chips in both the White Rose CU Visa credit and debit cards. The card transaction will differ slightly at merchants with the chip reader payment terminals.

Frequently Asked Questions

What is a chip card?

This card has an embedded microchip. The chip enables payment at merchant terminals that are equipped to process transactions with a chip card. These payment terminals are standard at most merchants outside the United States and are becoming more prevalent within the United States.

How do I make a purchase using my chip card?

Insert the chip portion of the card into the terminal with the chip facing up. The card must remain in the terminal for the entire transaction.

  • Follow the prompts on the terminal’s screen to complete the purchase.
  • Once approved, provide your signature, if requested.
  • Be sure to remove your card.

How can I make purchases at old magnetic stripe/swipe terminals?

For the merchant terminals that do not support chip technology, the chip-enhanced card still has a magnetic stripe and can be processed just like your current credit or debit card. You simply slide the card through the card reader on the terminal.

Will I need a PIN for chip card transactions?

A PIN will be needed for ATM transactions or if you choose the DEBIT option at the terminal.

How can I make purchases over the Internet?

Purchases made online or over the phone will remain the same. Card information is entered or provided by the cardholder. This information will likely include cardholder name, card number expiration date, and the 3-digit security code on the back of the card.

If I have multiple White Rose CU cards, how do I determine which card is being replaced?

Compare the numbers on your new chip card with your existing card numbers. The card that is being replaced will match your existing card number.  Make sure to destroy your old card after verification.