EMV card blue 2

Security made simple.

Northwest is rolling out chip technology to protect your credit card.

Chip card transactions offer you advanced security by encrypting your personal information and making every transaction unique. This makes your credit card more difficult to counterfeit or copy.

But don’t worry if you haven’t gotten your chip card yet, because Northwest Federal will not hold our members liable for unauthorized charges.

When will my existing credit card be replaced with the new chip card?

Northwest Federal will reissue a chip card to replace your current credit card when your card expires. (Cards that expire after January 2016) Until then, continue to use your current card as usual knowing that we will never hold our members responsible for fraudulent charges.

How is a chip card different from a magnetic stripe card?

The chip card looks just like a traditional card but with the addition of a small microchip embedded along with the standard magnetic stripe. When used at a chip-enabled register, a code is created for that transaction which cannot be used again. These chip card transactions offer you advanced security by encrypting your personal information and making every transaction unique. This makes your credit card more difficult to counterfeit or copy.  

Where can I use my new chip card when it arrives?

Since your card will have both a chip and a magnetic stripe it can be used anywhere. 

What if the merchant doesn't accept chip cards?  

Every day more and more merchants are becoming chip-enabled to increase security. If the merchant you go to does not have registers able to accept chip cards, don’t worry, you can still swipe your card like you do today and as always you will never be held liable for fraudulent charges.

Is there a difference between an EMVTM card and a Chip card?

No. Cards using EMVTM technology are referred to as…
- chip cards
- EMV cards
- smart chip cards
- chip-enabled cards 

Is there anything I should do before using my card abroad?

Give us a call prior to overseas travel to avoid having your account flagged for unusual activity. We also recommend setting a PIN for your card if you plan on using it overseas.


For more information on chip card technology, visit GoChipCard.com.


EMV is a trademark of EMVCo.