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West Virginia FCU
West Virginia FCU
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FAQs

WVFCU FAQs

EMV Chip Card
Are chip-enable terminals expensive? There are costs involved in upgrading...    [Read More]
Are merchants required to switch to chip-enabled terminals? No, it’s...    [Read More]
Are there other reasons merchants should have chip-enabled terminals? Customers...    [Read More]
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? Yes. There is...    [Read More]
Can cardholders be tracked with their EMV cards? No.  Chip cards contain...    [Read More]
Can cardholders still use their current card? They can use their current card...    [Read More]
Can chip cards be used at an ATM? Yes. For ATM transactions, cardholders will...    [Read More]
Yes. They still need to sign the back of their card.
All cards that we issue come with certain liability protections against unauthorized...    [Read More]
When used at merchants with chip-enabled card terminals it’s as easy as: Insert...    [Read More]
Merchants will need to contact their acquirer or payment services provider to...    [Read More]
Yes. Chip cards add an additional layer of security to the safeguards that already...    [Read More]
The goal in the U.S. is that all debit and credit cards will be issued with...    [Read More]
Yes.  There is a $15.00 Fee per card.
Yes, there is an important fraud liability shift on Oct. 1, 2015. After that...    [Read More]
These card-not-present transactions don’t change, and chip cards don’t...    [Read More]
A chip card - also called a smart card or an EMV card - is a debit or credit...    [Read More]
A chip card - also called a smart card or an EMV card - is a debit or credit...    [Read More]
A chip card - also called a smart card or an EMV card - is a debit or credit...    [Read More]
Consumers need to report a lost or stolen card promptly by calling the toll-free...    [Read More]
If a merchant has not converted its payment devices to chip-enabled technology...    [Read More]
For merchants without chip-enabled terminals, cardholders will ‘swipe’...    [Read More]
The chip contains information about a cardholder’s account and the card...    [Read More]
Depending on the card and the transaction, cardholders may be asked to provide...    [Read More]
Consumers need to report a lost or stolen card promptly by calling the toll-free...    [Read More]
They should contact their acquirer or payment services provider for information...    [Read More]
While chip cards won’t prevent the types of data breaches that have hit...    [Read More]
Yes, the payment process will take a bit longer. Rather than swiping their debit...    [Read More]

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