MasterCard with Secure Chip Technology

University Credit Union is serious about security. Our MasterCards are now enhanced with the latest level of protection – chip technology. Chip cards have a microchip embedded in the card to provide additional security features and the ability to be used at chip-enabled terminals – locally or around the world.

Your UCU MasterCard has both chip and magnetic stripe technology. That means, regardless of what type of terminal a merchant has, you’ll be able to use your card anywhere MasterCard is accepted.

Added security
Chip cards contain an embedded microchip which makes the cards difficult to duplicate. At chip-enabled registers, the chip creates a unique transaction code that cannot be used again.  For increased security, you may be required to enter your Personal Identification Number (PIN) for transactions at chip-enabled terminals. Your PIN cannot be changed and will be sent to you separately.

Global acceptance
Chip technology is a proven technology that has been used for over a decade in more than 80 countries around the world. This makes traveling internationally with your chip card even easier.

Shop with confidence knowing that the chip in your card can help protect you from fraud. To learn more about your Chip MasterCard, click Frequently Asked Questions.

Credit Card Security Tips

1) Don’t give your account number to anyone on the phone unless you’ve made the call to a company you know to be reputable.  If you’ve never done business with them before, do an online search first for reviews or complaints.

2) Carry your cards separately from your wallet or purse.  It can minimize your losses if someone steals your it.  Carry only the card or cards you need for each outing.

3) During a transaction, keep your eye on your card.  Make sure you get it back before you walk away.

4) Never sign a blank receipt.  Draw a line through any blank spaces above the total.  Save receipts to compare with your statement.

5) Open your bills promptly – or check them online often – and reconcile them with the purchases you’ve made.  Report any questionable charges to the card issuer.

6) Notify your card issuer if your address changes or if you will be traveling.

7) Don’t write your account number on the outside of an envelope or keep your account number in your wallet or purse.

The Federal Trade Commission also provides helpful tips on protecting credit card numbers.

Upgrade your existing UCU MasterCard
If you have an existing UCU MasterCard and want to upgrade to the new chip-enabled card, please visit a branch or call a Financial Services Specialist at (800) UCU-4510.