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Get big protection in a tiny chip.

5Point Credit Union 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 cardholder.

Beginning this Summer!

If you're a Visa or Discover® cardholder, expect to see your new chip card arrive over the summer. 

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.

Global acceptance.

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Debit Cards are accepted.

Activate my card.

To activate your Visa debit card, call 1.888.892.3806.  You will need to enter your full Social Security Number for identification purposes.  To activate your Discover®   debit card, call 1.877.744.2274.  You will need to enter the last four digits of your Social Security Number for identification purposes.  Please activate your new card immediately upon receipt.

Easy to use.

Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and 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. 
 

Frequently Asked Questions:

No. Your PIN will not change. Your PIN will be sent to you in a separate mailer to protect your account against unauthorized access. Note that your PIN is linked to your new card. If you wish to change your PIN, a new card must be issued with a new card number. There is a nominal $10 fee to process. 
5Point Credit Union Visa Debit Cards now feature built-in chip technology. You'll enjoy global acceptance plus an enhanced level of security.
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.
You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.
Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.
Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
No. There are no additional fees to use a chip card.
No, your Discover® Money Back Rewards will remain the same.

 

Your new chip debit card will have a NEW CARD NUMBER. 

If you have ACH or auto debit payments associated with your current card number, you will need to update your accounts when your card arrives.

Got Questions? Call us.

Call us at 1.800.825.8829 to learn more about our new chip-enabled Visa Debit Cards.