New Debit Card
We're excited to announce the unveiling of our new debit card program! Our new debit cards will feature a new card design and enhanced security with EMV Chip technology.
Your new debit card will come with the following features:
- EMV Chip Technology: Your new debit card will have an embedded chip that will help increase security and reduce fraud. The EMV chip will be in addition to the standard magnetic strip.
- Cardholder Service: Call 1-855-297-5008 for balance inquiries, payment information, transaction history, statement requests or to dispute a charge.
- Online Access: Real-time debit card information, including transactions, pending activity, payment information and custom email alerts, plus sign up for electronic statements when you log into your account online at www.elmonteccu.org.
Enjoy the flexibility and security of your new chip-enhanced card.
Activate your new chip-enhanced card to enjoy these benefits.
Use your card at millions of locations worldwide.
Pay at merchants, both domestic and international, wherever chip cards are accepted.
Pay with confidence.
Enhanced security and protection against card counterfeiting and fraud.
Continue to enjoy your favorite benefits
Includes both chip technology and conventional magnetic stripe, enabling your card to work at all merchants that accept cards.
Using your card at a chip card equipped merchant is easy:
- Insert the chip end of your card with the chip facing up.
- Keep the card in the terminal and follow the prompts.
- Remove your card and take your receipt.
- Memorize your Personal Identification Number (PIN)
- Don't write your PIN on the Debit card or envelope
- Don't allow anyone to use your Debit card
- Report a lost of stolen card to your Credit Union IMMEDIATELY
El Monte Community Credit Union EMV debit card Implementation
Please refer to the following questions and answers to assist in answering member questions regarding debit card reissue requests.
Q1: What is an EMV chip card?
A1: EMV Chip cards (EMV stands for Europay, MasterCard® and Visa®) are also referred to as “chip cards” or “smart cards.” They contain a small metallic square that is a computer chip. The chip creates a unique transaction code that can’t be used again. So if a hacker should steal the chip information from a transaction, they cannot counterfeit your card and it would be useless because the transaction code is only valid for a single use. This technology has been in use in Europe, Asia and Canada for some time now and has proven to be a major deterrent to fraud.
Q2: Do I have to get a new debit card?
A2: Yes. Your new El Monte Community Credit Union debit card will have the same 16 digit number with a new expiration date and CCV code. Your card will come via postal mail to the address we have on file.
Q3: What should I do with my old card?
A3: Please destroy your El Monte Community Credit Union debit card as soon as you have activated your new El Monte Community Credit Union EMV debit card. If you receive your new card by mail, please dispose of your old debit card in a secure manner, such as shredding the card.
Q4: Why am I receiving a new card?
A4: In an effort to enhance security, your new El Monte Community EMV MasterCard debit card now includes chip technology. The embedded chip on your card improves fraud protection when you make purchases at chip-activated terminals. It also provides global acceptance.
Q5: Will my PIN change?
A5: You will have the option to select a new PIN or keep your current PIN. Once you receive your new card by mail, call 1-800-466-0040 to activate your card and to select a new PIN call 1-800-503-9249. Make sure you have your PIN mailer when you call.
Q6: Has my card information changed?
A6: Yes, your card information has changed, but not your account information. Your card may have a new expiration date, so be sure to update your information with billers that charge your card regularly.
Q7: Do I need to sign the back of my EMV chip debit card?
A7: Yes, you need to sign the back of your card for security purposes.
Q8: When can I expect to receive my EMV chip debit card?
A8: Your new EMV chip debit card will be issued beginning in September 2018. Even if your current debit card is not expiring, you will receive a new El Monte Community Credit Union EMV chip debit card based on the month the card expires. Please make sure we have your correct contact information (especially mailing address and email address) on file. You can update this information through Online Banking or by calling us at 626-444-0501
Q9: How do I request an El Monte Community Credit Union EMV chip debit card?
A9: We will automatically send you a chip card on the month when your current card expires.
Q10: What information is stored on the chip?
A10: The chip stores information needed to complete transactions such as the card number or expiration date. The chip card does not contain your personal account information or account balance information.
Q11: How does chip technology protect my information?
A11: Every time 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.
Q12: Will my El Monte Community Credit Union EMV chip debit card eliminate fraud?
A12: Chip card technology provides an additional layer of security to help reduce the risk of fraud, but it cannot completely prevent fraud from occurring. It is still important to keep your card number and PIN information secure.
Q13: Where can I use my El Monte Community Credit Union EMV chip debit card?
A13: Your new EMV chip card can be used anywhere you use your debit card today. Many merchants across the U.S. are beginning to accept chip card transactions and this will continue to grow in the coming years.
Q14: Why do some merchants require a PIN and others a signature?
A14: Merchants are in control of setting up the EMV chip terminals and how transactions are processed. The Credit Union has no control on whether you can use your PIN or signature to complete a transaction.
Q15: Will my El Monte Community Credit Union EMV chip cards allow others to track my location?
A15: No, the EMV chip card is not a locator system. The chip on your card is limited to supporting authentication of card data when you make a purchase.
Q16: Where can I use my El Monte Community Credit Union EMV chip card?
A16: You can use your card at millions of places that accept MasterCard debit cards, at home and around the world.
Q17: How long do I have to activate my new EMV chip card?
A17: You have 90-days from the date the plastic is manufactured so don’t wait activate your card as soon as you receive it.
Q17: How do I pay at a chip activated terminal?
A17: It’s easy to make purchases with your debit card. You can always swipe your card like you do today. If a chip-activated terminal is available, you will be prompted to insert the chip end of your debit card into the terminal with the chip facing up. Leave your card in the terminal and follow the prompts on screen.
Q18: Why do I need to leave my card in the terminal?
A18: While your card is in the chip-activated terminal, the embedded chip creates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. If you remove your card too soon, your transaction will be cancelled.
Q19: Can I still swipe my card to pay?
A19: Yes. If a merchant is not yet chip-activated, simply swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.
Q20: Does my El Monte Community Credit Union EMV chip card work at the ATM?
A20: Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your debit card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
Q21: Does my new El Monte Community Credit Union EMV chip card still have all the same benefits?
A21: Yes. You can count on the same level of benefits you always have.