Chip Cards: How Do They Work?

RBFCU now offers credit and debit cards enabled with chip technology, providing an additional level of security for your transactions and account information. The chip card is designed to be used with a special chip terminal card reader at the point of sale (POS); however, because it still has the traditional magnetic strip, you can use it for transactions even if the merchant has not converted to a chip card reader.

Why do I need a chip card?

Chip card technology provides stronger protection and security against fraudsters, in particular against “skimming.” Skimming is a technique in which criminals copy the data from a card’s magnetic strip and use it to create a counterfeit card. When a retailer uses a chip-enabled terminal, the chip technology helps prevent theft of account information. In addition, most U.S. merchants have converted or are in the process of converting to new chip-enabled terminals.

How do I use the chip card?

Learn more about using your chip card with our instructional video:


  • When will I receive a chip card?

    Credit cards: RBFCU began issuing chip credit cards in July 2015 and will continue to convert credit cards with new and reissued cards.

    Debit cards: RBFCU began converting debit cards in June 2016. Members will receive a new chip card once their traditional card(s) expire.

    However, members may request to receive a new credit or debit chip card prior to their card’s expiration by contacting the Member Service Center at 1-800-580-3300.

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