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EMV Chip Credit & Debit Cards

Wauna Credit Union Leads the Way for Improved Card Security with EMV Chip Cards


Wauna Credit Union is moving to EMV Chip Cards to offer a new level of protection for your Credit & Debit Card transactions.  Plus, there are plenty of additional benefits of this change - including moving Credit Card transactions from EZ Card right into our online banking!


The Latest News: Check For Updates

Credit Cards

  • The Credit Card upgrade completed June 27, 2016.
  • Important phone numbers are changing, make sure you have the right ones.

Debit Cards

  • The upgrade for our Debit Cards is complete! 
  • Debit Card EMV Upgrade Resource Page
  • After April 18, 2015, if your Debit Card is lost or stolen you will need to use new  for assistance. 

Important Information & Links:


 Still have questions? Contact us by phone or email.

What To Expect with the EMV Changes:

    • What? - Wauna CU Credit & Debit Cards are converting to EMV Chip technology.
    • Why? - Greater protection for our members in the marketplace.
    • When? - Debit Cards switched on Monday, April 18, 2015.  Credit Cards switched on Monday, June 27, 2015.
    • How? - They will come in the mail with activation instructions.

Frequently Asked Questions:

What is an EMV Card?

EMV chip technology is becoming the global standard for credit card and debit card payments. Named after its original developers (Europay, MasterCard® and Visa®), this technology features a small metallic square on the card that is a microprocessor chip. It stores and protects cardholder data. It has many names worldwide and may also be referred to as: "chip and PIN" or "chip and signature." Unlike magnetic-strip cards, every time an EMV card is used for payment, the card chip creates a unique transaction code that cannot be used again.


Is this a new technology?

No. The chip technology standard for payment was first used in France in 1992. Today, there are more than 1 billion chip cards used around the world, including Europe, Africa, and Asia. The U.S. is one of the few industrialized nations that have not fully transitioned to this technology standard.


How do I use an EMV card to make a purchase?

Just like magnetic-strip cards, EMV cards are processed for payment in two steps: card reading and transaction verification. However, chip cards are read in a different way.  When an EMV card is dipped, data flows between the card chip and the issuing financial institution to verify the card's legitimacy and create the unique transaction data. This process isn't as quick as a magnetic-stripe swipe.


Can I still shop at my favorite places?

Of course. All of our Wauna Credit Union Debit Cards will still have a magnetic strip. They will have both the EMV Chip and the magnetic strip for now. Retailers are being encouraged to change to this type of card reader by October 2016, or risk paying additional fees for fraud protection.


Does this make online buying safer?

EMV cards are much more effective to stop fraud when presenting your card in stores. It is not as effective for “Card Not Present” (CNP) transactions such as shopping online, so caution and best practices are still vital to make sure your account is not compromised.