Chip (EMV) Cards

Important: All Mazuma debit cards without EMV chips, and all credit cards issued before February 1st, 2017 will stop working on May 1st, 2017. If you have not received your new EMV Chip Card by now, please contact Mazuma at 913-574-5000 or 888-361-4194 or stop by any of our branch locations to have a new card issued to you on the spot.

if you have not already done so, please activate your new card now by calling 866-985-2273. Be sure to stay on the line and select a PIN# for your new card.

Welcome to the 21st century way of keeping your credit card transactions safe from fraud: the chip card. It’s the same card you’re used to, but with a microchip embedded that works to keep hackers from stealing your data. And that’s really the best thing a microchip can do, isn’t it?

Brand new EMV Debit and credit cards were issued in March of 2017. Regardless of which card you use, you’ll still have great fraud protection. That makes for stress-free shopping year-round.

Mazuma emv chip debit card in a card reader

What’s it look like?

Mazuma debit and platinum visa cards with emv chips

This is your new card. See the gold square? That’s the microchip. It helps keep your transactions and data safe.

How do I use it?

Card reader and emv chip card step 1

Step 1.

Insert the card into the terminal, chip end first.

Card reader and emv chip card step 2

Step 2.

Leave the card in the terminal until the purchase is complete. Think of it like an ATM, where you dip the card into the machine and wait for it to give it back. It just takes a few seconds.

Card reader and emv chip card step 3

Step 3.

When the transaction is finished, take your card.

FAQs about your new card

Mazuma is upgrading your card from the traditional magnetic stripe card to a much more secure type of card know as an EMV or “chip card.” Sadly, we don’t mean potato chips, corn chips, chocolate chips, or any other foodie kind of chip — we’re talking microchips here. The microchip embedded in the card provides much stronger protection against fraud.

See the tiny metallic square on the front of your card? That’s where the microchip is embedded. It works by creating a unique transaction code for each transaction you make. The code can’t be used a second time. That means if someone steals your card information from a transaction (which is how fraud usually occurs now), it won’t matter. The chip makes counterfeiting a card really difficult, so all those data breaches you hear about? Not going to be a problem.

If there’s a chip-enabled terminal, simply slide your card, chip end first, into the machine and follow the prompts. Be careful not to remove your card until it says you’re okay to do so. If the terminal isn’t chip-enabled, simply proceed like you normally would.

You can use it anywhere you normally would use your card. If the terminal you’re checking out in is chip-enabled, use that feature like we described above. If it’s not a chip-enabled terminal, just swipe your card as you’re used to.

No worries! There’s a magnetic strip on your card so that you can use it anywhere that chip terminals aren’t up and running yet.

In most cases, yes. If you usually sign or enter your PIN for a transaction right now, you’ll still have to do that going forward. This is because the chip on the card works to protect the card. Entering a PIN number or a signing your name proves that you’re you and not someone masquerading as you.

Since you have received a new number, you will need to select a new PIN. You may do so by calling 1-866-985-2273 and following the prompts. After you have selected your PIN you may change it anytime at a Mazuma ATM or by visitng one of our branch locations.

You know that 3-digit number on the back of your card that you need to enter in online transactions? Well, your card’s microchip is set up to scramble that number at every use, so that your three-digit number is never the same for different transactions. That prevents thieves from being able to steal all of your card information and use it, because it changes every time. This is called a “dynamic transaction,” and it’s pretty sweet. But the protection doesn’t stop with dynamic transactions.

When you’re out and about, your transaction will be verified in one of a few different ways:

  • PIN numbers (like you’re used to with debit cards
  • Signature verification (like you’ve been doing with cards for years)
  • No verification card swipes — this is what happens when you go to QuikTrip or whatever and spend a small amount, like $2.05 on a cup of coffee. You just swipe your card and go!

The microchip embedded in your card carries personalized security credentials that are unique to your card. Because the credentials are housed within the chip and inaccessible to unauthorized parties, they are able to help prevent card skimming and cloning, common ways that magnetic stripe cards are replicated and used for fraud. The card and the person using the card are both verified. The transaction itself uses dynamic data created by the microchip. The dynamic data is able to prevent fraudulent transactions by changing the data every time a transaction happens, so even if one transaction is stolen, that data won’t work again for a fraudulent transaction later.

EMV stands for Europay, MasterCard and Visa. You’re welcome (although we’re not sure it’s all that helpful).

Fraud liability will be the same no matter which card you’re using. As always, if you notice something on your account that smells as funky as leftover bleu cheese, call us at 913-574-5000 so we can get things cleaned up!