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Green Bay Main Office

601 Willard Drive
Green Bay, WI 54304
Phone (920) 499-2831
Toll Free (877) 373-4023
Fax (920) 499-7548

Marinette Branch Office

1740 Stephenson Street
Marinette, WI 54143
(715) 732-4051
Fax (715) 732-4551

EMV Chip Cards

The EMV Chip cards are payment cards that have an embedded chip, which offer you advanced security when you use the chip card to pay in-store and at the ATM by making every transaction unique. And, your chip card is more difficult to counterfeit or copy. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

Here’s how the new EMV card works:

During the transition to chip, you can swipe your card as you normally would and follow the prompts.
If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

At chip-enabled terminals:

  1. Insert your card with the chip toward the terminal, facing up. Do not remove until prompted.
  2. Provide your signature or PIN as prompted by the terminal. Some transactions may not require either.
  3. When the terminal says the transaction is complete, remove your card.

What does this mean for PCMCU MasterCard® Credit and Debit Cardholders?

When your current MasterCard Credit and/or Debit Card reaches the card expiration date, you will then be reissued the new EMV Chip Card with the added security.

PCMCU’s new EMV chip cards are MasterCard exclusive; therefore the VISA® Copper credit card program will be converting to MasterCard as the credit cards are reissued. Please contact the credit union if you’d like to convert a current VISA card to a MasterCard with EMV.

Using your chip card at an ATM

(Depending on the type of ATM, your experience may differ slightly.)

If your card stays visible, use these basic steps for a successful ATM transaction:

  1. Insert and remove your card as you normally would. This tells a chip-enabled ATM whether you have a chip card or not. Then follow the prompts.
  2. If the ATM is chip-enabled, it will prompt you to insert the card again and leave it inserted. The ATM will clamp down on your chip card to hold it in place until the transaction is complete. Do not try to remove your card until prompted by the ATM.
  3. When the ATM says the transaction is complete, remember to take your card.

If your card is not visible, a chip-enabled ATM will automatically recognize the chip on your card.

If you’re used to an ATM returning your card immediately, note that your chip card will now be returned at the end of the transaction.

To complete a transaction, proceed as you normally would and follow the prompts.

When the ATM says the transaction is complete, remember to take your card.

If you don’t currently have a PCMCU MasterCard Credit or Debit Card,
now’s a great time to check it out!

For complete details on PCMCU’s MasterCard Credit Card Program and Debit Card Program,
please feel free to contact PCMCU in Green Bay at (920) 499-2831 or in Marinette at (715) 732-4051.

SPECIAL NOTICE: Please be aware of card scams, both by email and phone, that request your verification of card numbers, expiration dates, or security codes. PCMCU will NEVER ask you for this information.