Forest Area Federal Credit Union EMV Chip Card headed your way in July!

**PLEASE NOTE**  All VISA cards will be reissued with a new number.  If you have a vendor automatically posting to your credit card, you will need to update this information with the vendor.

EMV stands for Europay, MasterCard and Visa. It is a global standard for cards equipped with computer chips and the technology used to authenticate chip card transactions.  EMV is already the payment standard in every market except the United States, making the switch to EMV in the United States long overdue. With numerous data breaches and increasing rate of counterfeit card fraud, issuers are migrating to this new technology to protect consumers and reduce the costs of fraud. In addition, Visa has announced upcoming liability shifts for card transactions based on this standard.

The Chip cards are used require that the card be “dipped” or slid into a slot typically at the bottom of the credit card machine.  The machine will hold your card for a few seconds before it releases it back to you.  If the store is not equipped with the EMV capable machine, you are still able to “swipe” your card to complete the payment. If you have an EMV card and the merchant doesn’t offer the capability to use the EMV chip, the liability of fraudulent activity falls to the merchant.

At this time we will be rolling out all new VISA credit cards to our members.  The MasterCard Debit cards will follow in a couple of months.

Here is a link to a copy of the letter mailed out to our VISA card holders.

EMV Mail out letter



Cybersecurity and Fraud: How to Keep Your Money Safe Online

If you manage your money online, you might have concerns about the security of your personal information. But there are few simple steps you can take that will go a long way toward protecting you and your data.  Click here to learn more.


Our new office is now open!


The new Kalkaska office is now open.   Located at 409 West Mile RD (M72).   Stop in and say hi and take a look around!