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FAQs

WVFCU FAQs

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EMV Chip Card
Are chip-enable terminals expensive?
Are chip-enable terminals expensive? There are costs involved in upgrading...    [Read More]
Are merchants required to switch to chip-enabled terminals?
Are merchants required to switch to chip-enabled terminals? No, it’s...    [Read More]
Are there other reasons merchants should have chip-enabled terminals?
Are there other reasons merchants should have chip-enabled terminals? Customers...    [Read More]
Can a chip card be used anywhere?
Yes. Chip cards can be used virtually anywhere this brand of card is accepted...    [Read More]
Can a chip card be used to make purchases online or by phone?
Can a chip card be used to make purchases online or by phone? Yes. There is...    [Read More]
Can cardholders be tracked with their EMV cards?
Can cardholders be tracked with their EMV cards? No.  Chip cards contain...    [Read More]
Can chip cards be used at an ATM?
Can chip cards be used at an ATM? Yes. For ATM transactions, cardholders will...    [Read More]
Do they need to sign the back of the card?
Yes. They still need to sign the back of their card.
How are they protected?
All cards that we issue come with certain liability protections against unauthorized...    [Read More]
How do cardholders use a chip card?
When used at merchants with chip-enabled card terminals it’s as easy as: Insert...    [Read More]
Is a chip card more secure than magnetic stripe cards?
Yes. Chip cards add an additional layer of security to the safeguards that already...    [Read More]
Is there a reason this is happening?
The goal in the U.S. is that all debit and credit cards will be issued with...    [Read More]
Is there a replacement charge?
Yes, there is a $15.00 Fee for lost cards.  If the card is damaged...    [Read More]
Is there an important chip card date for merchants?
Yes, there is an important fraud liability shift on Oct. 1, 2015. After that...    [Read More]
What about online and phone transactions?
These card-not-present transactions don’t change, and chip cards don’t...    [Read More]
What are chip cards?
A chip card - also called a smart card or an EMV card - is a debit or credit...    [Read More]
What are chip cards?
A chip card - also called a smart card or an EMV card - is a debit or credit...    [Read More]
What happens if a merchant doesn't convert to chip-enabled terminals?
If a merchant has not converted its payment devices to chip-enabled technology...    [Read More]
What if a merchant doesn't have a chip-enabled terminal?
For merchants without chip-enabled terminals, cardholders will ‘swipe’...    [Read More]
What information is on the chip?
The chip contains information about a cardholder’s account and the card...    [Read More]
What is the difference between chip and signature and chip and PIN?
Depending on the card and the transaction, cardholders may be asked to provide...    [Read More]
What should you do if card is lost or stolen?
Consumers need to report a lost or stolen card promptly by calling the toll-free...    [Read More]
Will chip cards prevent data breaches?
While chip cards won’t prevent the types of data breaches that have hit...    [Read More]
Will making payments at a chip-enabled terminal take longer?
Yes, the payment process will take a bit longer. Rather than swiping their debit...    [Read More]

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