Delta Community Visa® Cards Come with Smart Chip Technology

 Smart chip technology add to security of credit and debit card payments

Delta Community Visa® Credit and Debit Cards are enhanced with chip technology. When used at chip-enabled terminals, this smart chip technology creates a unique, one-time code for each transaction so it’s virtually impossible to replicate in a counterfeit card. Chip cards offer enhanced fraud protection, are accepted worldwide and are easy to use.

While many major retailers such as Target, Home Depot, Best Buy and Sam’s Club, and some smaller merchants have adopted smart chip technology, merchant adoption is still below industry expectations. Additionally, most ATM and automated fuel dispensing machines are not yet turned on for chip transactions. Remember that if a merchant doesn’t have a chip-enabled terminal, you will swipe your card exactly the way you do today.

General Info

Why are chip card transactions more secure?

Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique, one-time transaction code to complete the transaction. Chip cards are nearly impossible to counterfeit. If the card data or one-time code is stolen, the information can’t be used to create a counterfeit card and commit fraud.

Can I use my chip card overseas?

Yes. Chip technology is used worldwide. If a merchant doesn’t have a chip-enabled terminal, simply swipe your card as you do today.

Please note that some overseas ticket kiosks/unmanned terminals won’t authorize US-issued chip-enabled cards. If the kiosk asks you for a PIN, you may be able to select one of the following to bypass the PIN prompt: “Cancel,” “Enter” or “Continue.” If the card reader still will not accept your card without a PIN, there may be staff in the area to assist you.

Is a chip card the same thing as an EMV card?

Yes. EMV stands for Europay, MasterCard and Visa.

What if I have other questions about chip card technology?

For more information, and to watch informational videos, visit Visa’s website.

Using a Chip Card

How do I use a chip card?

When a chip-activated terminal is available, follow these easy steps:

1. Insert card2. Follow screen prompts3. Remove the card when instructed

How will my checkout at the register be different with a chip card? Do I continue to swipe my card?

If the merchant has a chip-enabled terminal, insert your card into the slot and follow the prompts on the screen (the slot is typically located at the bottom of the terminal). Leave your card in the terminal until prompted to remove it. If the merchant does not have a chip-enabled terminal, you will swipe your card exactly as you would with a non-chip card. If you swipe the magstripe on a chip-enabled terminal, the terminal will prompt you to dip your card by inserting it chip first.

Is anything different for online or telephone transactions?

No. You will use your chip card for online purchases the same way you use non-chip cards. Your Delta Community Visa Cards are automatically enrolled in Verified Visa to help prevent unauthorized users from performing fraudulent transactions. You can also enjoy an easy, smart and secure digital checkout experience when you click to pay with your Delta Community Visa Debit or Credit Card when you see click to pay with payment icon where Visa is accepted. And, you are always protected with Visa's Zero Liability Policy* against fraudulent activity.

Do Delta Community's chip cards work as a contactless payment, such as at a quick service restaurant?

No, Delta Community's chip cards are not enabled with Near Field Communication (NFC) (also known as “contactless”) technology. You can use it as a chip transaction if the terminal is enabled or as a traditional magnetic stripe transaction.

What other changes might I notice using a chip card?

If you’re at a restaurant that has a chip-enabled terminal, you may need to:

  • Insert your card in a portable device that’s brought to your table, or
  • Walk to a terminal at a central location.

Additionally, because Delta Community's Visa Cards are flat, the merchant will need to be able to process transactions through an electronic terminal, as it’s impossible to make a manual imprint of the card information. The vast majority of merchants in North America have electronic terminals. Flat cards are accepted online and over the phone, just like embossed cards.

Why do some merchants require the use of a PIN for debit transactions, rather than allowing people to sign for their purchase?

Delta Community’s Debit Cards are designed to work as chip and PIN or chip and signature. Whether you need to sign or use your PIN depends on the merchant, the amount you’re spending and which buttons you push at the terminal prompts. Remember that in order to earn Reward Points when you use your Delta Community Debit Card, you need to sign for your purchase. Please note that if merchants do not allow for signature transactions on chip-enabled debit cards, you will be forced to use your PIN. Delta Community will not be able to credit your account with any Reward Points as a result.

How will I know if I need to insert or swipe my new card?

If the card terminal is chip-enabled, you will see a slot where your card is inserted (“dipped”), and where it will remain during the transaction.

What if the merchant doesn’t have a chip-enabled terminal yet?

Your Delta Community Visa Card still has a magnetic stripe, so if a terminal is not chip-enabled, simply swipe your card the way you do now.

Do I need to use a PIN with my Visa chip Credit Card?

No. For U.S.-based transactions, you only need to use a PIN with your Credit Card if you’re requesting a cash advance at an ATM. If you’re traveling overseas, you may want to consider getting a PIN for your Delta Community Credit Card prior to departing.

Do I need to use a PIN with my Visa chip Debit Card?

You can either sign for your transactions or you can use your PIN. In order to earn Reward Points for your purchases, remember to sign.

How do I get a new PIN if I need one?

If you have forgotten your PIN, you can stop by any branch to get one instantly or you can send a secure email through Online Banking and one will be mailed to you. If you know your PIN and simply want to change it, you can call 855-477-1144 or visit any Delta Community ATM.

Will my chip card work at a non-chip-enabled ATM?

Yes, it will. Most ATMs are not yet chip-enabled, and you will use your chip card as you would use a non-chip card. If you use an ATM that is chip-enabled, it may briefly retain the card inside the machine/reader while your transaction processes. Please remember to take your card after your transaction is complete.

Even though chip cards have an extra layer of security, should I still contact the Credit Union before traveling internationally?

Yes, that’s still a good idea. That way, purchases that are outside of your normal purchase activity are less likely to trigger our fraud monitoring systems.

I’m having trouble using my new chip card on a mobile device app (such as loyalty programs). What should I do?

Because the card is flat, some mobile device cameras may not pick up the card number or other information. If this happens, simply enter the required information manually.

What should I do if I have additional questions that aren’t addressed here?

Call 800-544-3328, stop by any Delta Community branch or send a secure email through Online Banking.

*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa.