You'll automatically receive a new EMV chip card whenever your cards expire.
Information programmed into the chip is personalized for your account and each transaction is unique, adding a new safeguard against fraud. There is no need to request your new card. You'll automatically receive a new EMV chip card whenever your cards expire.
How do you chip cards work?
If a merchant is already using a chip-enabled terminal, paying is as easy as:
If a merchant isn't using a chip-enabled terminal yet, you'll still be able to 'swipe' your card to make your purchase, just as you do today.
At an ATM
The process is essentially the same as at a merchant. Insert your chip card into the terminal and follow instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any cash you may have withdrawn. A PIN is needed for ATM transactions.
Online or over the phone
Nothing has changed for transactions made online or by phone. To enhance security for online purchases, follow the steps below for Verified by Visa or MasterCard Secure Code.
MasterCard Identity Theft Alerts
MasterCard Identity Theft Alerts uses internet surveillance technology to monitor thousands of websites and millions of date points that comprise the "dark web" to alert enrolled cardholders if their personal information is found. When compromised data is discovered, cardholders receive a real-time email alert and are advised to immediately contact an Identity Theft Specialist to understand what personal information may have been exposed, and the remediation steps the cardholder should take to reduce the associated identity theft and fraud risks. World MasterCard and World Elite MasterCard cardholders have the added benefit of full service identity theft restoration to help them reduce the personal time required to resolve the situation.
Cardholders may enroll for MasterCard Identity Theft Alerts by clicking the button below and selecting which personal information they would like monitored. The information MasterCard Identity Theft Alerts can monitor includes credit, debit, small business, and certain re-loadable prepaid cards (MasterCard or other), Social Security, Social Security number, driver's license, passport number, bank account information, email addresses, and medical information. The service is provided by CSID and does not require cardholders to supply all of this information, however, the more information that is provided, the more effective the service.
I have sufficient funds, why won't my card work?
- All processing is done by phone line or a network. There are times when communication is slow and the approval does not get back to the merchant in the time allotted. This would result in a "denial" even though you may have sufficient funds.
- It could also be equipment issues at that merchant, phone lines etc.
- The purchase amount may exceed the limit set by the Credit Union of $1,500 aggregate ($500 ATM and $1,000 POS/PIN transactions or $1,500 POS/PIN transactions.)
- The magnetic strip on your card may be worn. This could cause the merchant's terminal to not read the card properly, resulting in the card being declined.
- The card might not be activated.
- If you tried using the PIN, try selecting "credit" instead of "debit" when you try your card again.
How do I activate my card?
- The first time you use the card with the PIN number sent to you, you are activating the card.
- On the face of the card, there will be a sticker instructing you to call to activate the card before use.
- If you have removed this sticker, and do not have the number, you can call 888-429-1626. When calling to activate the card, use the last 4 digits of the primary account holder's social security number for each card.
- If the time has lapsed for you to activate it this way, you will receive a message from the processor that you need to contact HHCU. We can then activate the card at the time for you.
How do I get a PIN reset?
- For security reasons, Hoosier Hills Credit Union does not have access to reset PINs. The only way to get a PIN is for us to order a replacement PIN for you.
Security of your card and PIN number
To protect you and your card and avoid Unauthorized use, remember these safety tips:
- Please sign your card upon receipt.
- Destroy your old card when it expires or when your new card becomes effective.
- Memorize your PIN. DO NOT write it on the back of your card or keep it with you.
- Never disclose your PIN entirely separate from your card.
- Keep your card in a safe place.
- Remember to pick up your ATM receipts before leaving the ATM.
- Safeguard your account number. Always obtain Merchant receipts and destroy carbons.
Security When Approaching the ATM
- Be alert-look around the area.
- Leave immediately if you see or sense anything suspicious.
- Always gave your card in hand, ready to use.
Security While at the ATM
- Allow a comfortable distance between you and the person using the ATM.
- Respect any line barriers that say "Wait Here."
- Do not walk up to the ATM before the current user has left.
- Use your body to shield the keyboard from another person's sight.
- Don't stop to count the money or expose it for others to see.
- Place all money into your pocket or purse immediately.
Security When Leaving the ATM
- Remain alert - watch for strangers who may approach or follow you.
- Keep a safe distance between you and others.
- If someone follows you, go to the nearest populated place such as a store or restaurant.
Refuse Telephone Inquires
- Do not reveal any information about your card over the phone.
- Verification of your card account(s) and PIN should only take place in person at your financial institution.
- If you receive a call about your card, contact you financial institution immediately, and we will suggest the next course of action.
Report Theft or Loss Immediately
- Use the telephone numbers listed on the front of the mailer to report a card lost or stolen.
- The after hours telephone number is typically used only for reporting the card lost or stolen.
Other Card Security Tips:
- Monitor your account online through Home Banking or Mobile Banking. Set notifications so that you are notified of transactions over a certain amount.
- Register for e-statements so you receive your account history quicker than paper statements.
- If you use a debit card in a store for your purchases, press the credit key and sign for the transaction rather than using Debit option. If someone would be “skimming” they would not have your PIN number as well as the card number.
- Inspect card readers and key pads-do not use them if they look odd or anything appears loose.
- Do not let store or restaurant employees walk away or get out of site with your card. When possible swipe the card yourself.
- Beware of giving card information over the phone. Remember, the person taking your information will NEVER need your PIN.
- When shopping online, never store card information on sites you order from frequently. This will protect your card so that if your account gets “hacked” there will not be a card listed for them to place orders with and ship elsewhere.
I Have Fraud on My Debit or Credit Card, What Do I Do Now?
Report the fraud immediately:
After Hours call: 800-472-3272
Business Hours call: 800-865-2612 or 812-279-6644
After you have reported the fraud, you will have 3 business days to file the appropriate paperwork with Hoosier Hills Credit Union.
How Long Until I Receive A Refund?
The Credit Union will make a determination and if there is no refund coming to you, you will be contacted by the Member Service Representative that assisted with the claim. Provisional credit will be given for the transactions deemed as fraud within 10 business days. If there were fees assessed due to the fraud, those will be refunded as well.
Will I Get To Keep The Refund?
The information from the merchants involved in the claim will determine whether you get to keep the refund. The only other reason you would not get to keep a refund that is passed to you from Hoosier Hills Credit Union would be if the merchant refunded you as well.
To report a lost or stolen credit or debit card after hours, call (800) 472-3272.
To activate your personal credit or debit card or if you have issues with your card, call (888) 429-1626.
To activate your business visa or if you have issues with your card, call (855) 519-9874
ATM Services / ATM Cards
Use your HHCU ATM card to withdraw cash from your checking or savings accounts, make deposits, make loan payments, transfer money from savings to checking, from savings to special accounts, and get cash advances against your credit Union Visa card. Use any of the following Credit Union ATM’s at no charge: Bedford Service Center, Paoli Service Center, Jasper Service Center, Mitchell Service Center, Westside Drive-Up, Main Street in Oolitic, and GM Powertrain Gatehouse. You may also use one of more than 11,000 Accel or CIRRUS ATM’s nationwide for a small fee.
Debit Cards elimintate the hassle of writing checks.Our debit card is accepted anywhere MasterCard is accepted and can also be used as an ATM card.