Introducing Enhanced Security Chip Cards.
Enhanced Security for your Debit and Credit Cards
Baylor Health Care System Credit Union will soon offer credit and debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.
A microchip embedded in every card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.
These cards are already in wide use around the world and are now becoming the standard in the U.S.
Follow these steps to use your card at a chip-enabled terminal:
- Insert your card, face up and chip end into the chip-enabled terminal.
- Leave the card in the terminal during the entire transaction.
- Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
If a merchant isn't using a new chip-enabled terminal yet.
You will 'swipe' your card to make your purchase, just as you do today. Enhanced Security Chip Cards will continue to have the magnetic stripe on the back.
Online or phone purchases
Provide your card information as you have done in the past. Enhanced Security Chip Cards will not change the way payments are made online or by telephone.
At an ATM
The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.
If you have questions, please visit our Help Center, or contact us for assistance.