Contactless Chip Credit Cards

APGFCU is now issuing Visa^® credit and debit cards featuring EMV chip card technology. This is great news – chip technology provides an added layer of security to your card at no cost to you. Thousands of stores already have contactless terminals.

Benefits of Our Contactless Chip Credit Cards:

Enhanced Security:

• Secure Technology: Each transaction uses a unique code, making it difficult for fraudsters to steal your information.
• Less Physical Contact: Minimize contact with payment terminals, enhancing hygiene and reducing the risk of spreading germs.

Speed and Convenience:

• Tap and Go: Simply tap your card on the payment terminal and go. No need to insert or swipe your card.
• Quick Transactions: Transactions are completed in seconds, reducing wait times at checkout.

Global Acceptance:

• Widely Accepted: Use your contactless card at millions of locations worldwide, wherever you see the contactless symbol.
• Travel-Friendly: Enjoy seamless transactions whether you’re at home or abroad.

Now you can swipe, insert, tap or wave your card to make purchases.

How to use the new contactless feature:

1. Look for the Contactless Symbol at checkout.
2. Simply tap the terminal to make your payment.
3. Once your payment is complete, you’re good to go.

There are no changes to the way payments are made on the internet or by phone.

Frequently Asked Questions

• What if a merchant's terminal does not accept contactless cards? Will my card still work?
  

  Yes. Insert the EMV card or swipe the magnetic stripe like you would have done with your previous card. Online purchases work the same as with your previous card.

• How can I tell if a card or payment merchant terminal accepts contactless payments?
  

  Both the card and the terminal will have the contactless symbol shown here:

• Can I use the contactless functionality for all of my purchases?
  

  Contactless payment availability may vary depending on terminal enablement, merchant preferences, transaction location or purchase amount. You may also be asked for your signature or PIN in some cases.

• Where can I use my tap-and-go EMV chip card?
  

  Use your EMV chip card at the same places you do now. Tap or insert your card at EMV-enabled terminals, or swipe your card at terminals that have not yet switched. You can use your card as you did before for online payments, telephone payments and ATMs.