Important Information About Your New Delta Community Visa® Chip Card

padlock icon

Delta Community has enhanced our Visa® Credit and Debit Cards 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.

In addition to containing an embedded chip, our Delta Community Visa chip cards have a new look and feel. Your new card(s) will be a flat card, meaning it will not be embossed – your name, account number and expiration date will be printed on the front of the card, not raised as they are today. Flat cards typically last longer and are easier to read than embossed cards.

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-activated 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.

Getting Your Chip Card

When will I receive my chip-enabled card?

Delta Community has begun issuing chip cards. You will receive an email or letter shortly before receiving your new card advising you that it is coming. This is an automatic process and there is no action needed on your part. If you have both a Credit and Debit Card, you will receive those separately.

Delta Community is issuing cards in waves, Credit Cards first followed by Debit Cards.

What if I want to get my chip card before I’m scheduled to?

Not all cards will be replaced at the same time and the process will take several months. In order for the process to run as smoothly as possible, Delta Community is unable to accommodate requests to issue chip cards outside of the planned rollout. Know that you are always protected by Visa’s Zero Liability policy against fraudulent activity, so you can continue to use your current card with confidence.

I have a both a Credit and a Debit Card – will I receive them at the same time?

No, you will receive those cards separately.

Will my card information remain the same?

Your card number and PIN will remain the same; however the expiration date and security code will change. Make sure to update your payment information with any merchants with whom you have recurring payments.

How do I activate my new chip card?

There are two ways to activate your new chip card:

  • Log in to Online Banking, go to the Additional Services tab and select Card Management. You may see your new card listed here prior to receiving the card in the mail. Please make sure you have your card in hand prior to activating it in Online Banking.
  • Call 855-645-7644 and follow the prompts. Please note that if you are a joint account holder, you will need to enter the last four digits of the primary account holder’s Social Security Number/EIN.

I received a new Delta Community chip card in the mail, but I lost it. When I went to the branch to get a new card, I was told it wouldn’t have a chip yet. Why? How can I get a chip card again?

Delta Community is in the process of replacing the instant-issue card machines in all branches so they are able to issue chip cards. Until that is finished, cards issued in the branches will not have a chip. You will, however, receive a new chip card in the mail within 10 business days after you receive your branch-issued non-chip card. Please note that the card number on the temporary, branch-issued card will be different from the chip card number that you’ll receive in the mail. We recommend that you don’t set up recurring payments with this temporary non-chip card. When you receive your new chip card in the mail, activate it immediately, destroy your temporary non-chip card, and set up any recurring payments you may have.

If you need a replacement chip card, but don’t want to have it issued in the branch without a chip, simply:

  • Log in to Online Banking
  • Select Card Management under the Additional Services tab
  • Select Order a New Card

You will receive your new chip card by mail in within 10 business days.

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.

Using Your New Chip Card

How do I use my new 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? 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 the way you do today. If you swipe the magstripe on a chip-enabled terminal, the terminal will prompt you to dip your card by inserting it chip first.

Will anything change during my online or telephone transactions?

No. You will use your chip card for online purchases the same way you use your card today. Remember that you can enroll in Visa Checkout and Verified by Visa for additional protection when shopping online. And, you are always protected with Visa’s Zero Liability policy against fraudulent activity.*

Will my new chip card work as a contactless payment, such as at a quick service restaurant?

No, the new chip card is 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 with my new Delta Community Visa 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 your new card is a flat card, 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 new Delta Community Visa Card will still have 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. Just like today, 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?

Just like today, 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.

Once I have my Delta Community chip card, 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 Do I Need to Do Once I Receive My New Delta Community Chip Card?

  1. Once you receive your new chip card, activate it immediately and destroy your old card. Your old card will be deactivated soon after receiving your new chip card.
  2. If you use your card for recurring bill payments, such as mobile phone bills and gym memberships, you’ll need to update the expiration date and security code with the merchant to ensure your payments are not interrupted.
  3. When using your Debit Card, remember to sign rather than use your PIN to ensure you are earning Reward Points with each transaction. If you haven’t already enrolled your Debit Card, learn more now!

*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.