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Additional EMV Resources

Using Your EMV Card


Learn About Chip Technology


How To Use Card


EMV Video Image

EMV CHIP QA Secondary 



1.  What is an EMV chip-enabled card?

EMV stands for Europay, MasterCard and Visa; the three companies responsible for creation of chip card technology.

An EMV chip-enabled card is a credit or debit card that has a microchip embedded in it as well as the traditional magnetic stripe. When you use your EMV chip-enabled Anoka Hennepin Credit Union card to pay at merchants with chip-enabled terminals the chip encrypts the information transmitted to increase data security.

2. What are the benefits of a chip-enabled card?

  • Chip-enabled cards are a standard payment method around the world.  Having a card with this feature makes purchasing abroad much easier.
  • A card with a microchip is more secure than one with just a magnetic stripe on the back because the account information is encrypted in the chip making it more difficult to fraudulently copy the card details.

3. What information is stored in the chip?

The microchip embedded in the card stores account specific information required to authenticate, authorize and process transactions.

4.  Will chip-enabled cards eliminate fraud?

Chip-enabled cards will reduce some types of fraud, such as an in person transaction where is a chip-enabled terminal.  However, it will not eliminate all fraud.

5.  Am I responsible for unauthorized transactions made with my chip-enabled card?

Members are not responsible for unauthorized transactions when reported to Anoka Hennepin Credit Union no later than 60 days from when we mailed you the first statement on which the unauthorized transaction occurred. 

6. Are there any new fees associated with using my chip-enabled card?

No, any fee you would previously be charged could still be charged with your chip-enabled card.  However, the fee for a replacement debit or credit card will be increasing from $5.00 per card to $8.95.  This fee change is due to the increased cost to produce chip-enabled cards.

7. Will my card work outside the United States?

Yes. Your chip-enabled card will work at merchants processing transactions using a chip-enabled terminal or using a magnetic stripe reader.

8. Now that I have a chip-enabled card, should I continue to notify Anoka Hennepin Credit Union before I travel?

Yes. Advance notification of your domestic and/or international travel plans will help ensure legitimate purchases are approved.  Also, we require a signed authorization form to ensure your AHCU debit card will allow international transactions.

Please note: When traveling, we recommend you always carry a backup form of payment.

9. Can I use my card for everyday transactions domestically?

Yes. In addition to the embedded microchip, your card has a magnetic stripe on the back. That way you can make purchases by swiping your card and signing the receipt at terminals where your magnetic strip is still accepted. You can also use your card at ATMs.

10. How will I make a purchase with my chip-enabled card?

Step 1. Insert the chip portion of the card into the terminal for the entire transaction. Removing the card early will terminate the transaction.

Step 2. Follow the prompts on the terminal’s screen.

Step 3. You will be asked for either your signature or PIN to complete the transaction

Step 4 Remove your card when prompted.  This could be by a sound coming from the terminal or on the terminal’s screen.

Please note: You can still use your card in the traditional way by swiping the magnetic strip in the swipe section of a terminal if permitted.

11. Will the PIN I use for making purchases be the same as the PIN used for cash withdrawals at the ATM?

Yes. The PIN used for making purchases is the same PIN used for cash withdrawals. You are only issued one PIN for the card.

12. Will I get a PIN for my chip-enabled credit card?

If this is an existing Anoka Hennepin Credit Union card, your PIN will remain the same as your previous magnetic stripe only card.  You will, however, receive a PIN if this is a brand new, never been issued before card number.

13. How do I change my PIN number? 

Call one of the following numbers, depending on your card type, and follow the automated instructions:

  • Visa: 1.866.985.2273
  • MasterCard: 1.888.891.2435

14. My card isn’t working, what are some possible reasons why?

Reason #1: You are inserting the card incorrectly. Make sure you are inserting the chip portion of the card into the terminal.

Reason #2: The card was removed too soon. Do not remove the card from the terminal before the transaction has been completed. Removing the card early will result in a cancellation of the transaction.

Reason #3: You did not notify Anoka Hennepin Credit Union of your domestic or international travel plans. 

15. Whom can I contact if I have questions or concerns about my chip-enabled credit card?

You can contact Anoka Hennepin Credit Union directly at 763.422.0290 or visit one of our six branch locations for assistance.

To download a copy of this list of Frequently Asked Question, click here.




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