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We’re adding EMV chip technology to all MembersOwn debit cards. We will start mailing out new cards June 1, with the process taking a full year to complete. This means you can expect to receive your new card or cards at some point during those 12 months.

How to Activate Your Card
Your new card will have a new number, PIN, expiration date and three-digit security code. The new PIN for your new card will be mailed separately.

Once your receive it, please activate your new card immediately using your new PIN – simply call the number on the front of the card and follow the instructions. Once you do, stop using your old card. Don’t forget to update your card info with merchants that have recurring transactions.

Why the Switch
Chip technology provides an extra layer of protection and fraud reduction, making it much harder for criminals to steal transaction information that can be used to create a counterfeit card.

The chip in the card contains the same information that’s stored in the magnetic stripe on the back of the card. The chip produces a single-use code to validate the chip transaction — further protecting your card from unauthorized use.

Since chip technology is the global standard for card security, in over 130 countries, you’ll be able to easily and securely use it when traveling abroad.

How to Use Your Chip Card
As U.S. merchants begin transitioning to chip card readers, you will notice the payment process works a little differently. Your merchant may direct you to insert your chip card until the transaction is complete. Not all chip card readers will look the same, so remember to follow the prompts on screen. If you come across a merchant who has not made the transition yet, you can still swipe your card as you do today.

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