Chip Cards with UFCU


In a day and age when so much information is available to so many, using a chip card might be a great way to keep you and your money safe. But where to begin? Jason Endsley is Senior Manager of Virtual Retail with UFCU, and he joined us in studio to break it down. A chip card is a security-enhanced debit and/or credit card which has a microchip embedded into the card. With traditional cards, the magnetic stripe contains data that does not change, making the data easy to replicate if it is stolen. The small, metallic square microchip on a chip card is the heart of the difference. Unlike traditional cards, when a chip card is used, the chip generates a unique transaction code that cannot be used again. Are you concerned you won’t know what to do? Don’t be! If you find yourself at a register and you are not sure whether to swipe or dip your chip card, rest assured the terminal or the retail associate will prompt you to take the correct action to complete your transaction. For transactions made over the phone or online, nothing changes. UFCU is always bringing you ways to learn more about how to manage your money and plan for your financial future. For details on one of their many helpful seminars or for more information, go to


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