EMV Chip Technology

Simple Secure Smart Chip Technology

 

 
 
First Northern Visa® Credit Cards now come with built-in chip technology. This gives you great fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure - it's also easy to use. Here's what you can look forward to as a cardholder.
 

Enhanced Fraud Protection
When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
 

Global Acceptance
More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa credit cards are accepted.
 

Easy to Use
Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts. See detailed steps to the right.
 

No matter how you pay, you're protected against unauthorized use with Visa's Zero Liability Policy.

EMV chip credit card reader

 

 

See how easy it is to pay
at a chip-activated terminal.

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If a chip-activated terminal is available,
follow these easy steps:

 

1 Insert the chip end of your card into the terminal with the chip facing up.
 

2  Keep your card in the terminal and follow the prompts.
 

3  Remove your card when prompted and take your receipt.
 

If a merchant is not yet chip-activated, you can still swipe your card to pay.

 

 

IMPORTANT!
Please make sure you verify with each of your automated billers they have your new EMV card number and exp date on file prior to your next billing.

Q: What is a chip card?
A: First Northern's Visa Credit Cards now feature built-in chip technology.  You'll enjoy global acceptance plus an enhanced level of security.

Q: How does chip technology protect my information?
A: When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code.  This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Q: Where can I use a chip card?
A: You can use your card at millions of places that accept Visa Credit Cards, at home and around the world.

Q: Can I still swipe my card to pay?
A: Yes.  If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN.  Or select CREDIT and sign for your purchase, if necessary.

Q: Does my chip card work at the ATM?
A: Yes.  You can still use your card to get cash, check your balance and more.  Be sure to insert the chip end of your card into the ATM with the chip facing up.  Your card will remain in the ATM until your transaction is complete.

Q: Will I have to pay any fees to use a chip card?
A: No.  There are no additional fees to use a chip card.

Q: I have my credit card information saved on certain online bill pay systems for automatic withdrawals and payments (ie: online bill pay, monthly cable bill, Illinois State Tollway).  Will my card number be automatically updated?
A:  Although many online merchants are on the Visa Account Updater list, 1.) we cannot guarantee that the information exchange between the financial institution and merchant will occur in time for the cardholder's next billing 2. Some merchants on this list may have only certain divisions or geographic regions participating.  Therefore, it is STRONGLY advised by Visa and First Northern to check each merchant before your credit card expires.