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As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value through high returns on deposits and low rates on loans.

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Routing Number: 271992183
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If you need help or have questions regarding your login credentials, please contact us at 800.942.0158 or 630.276.5555.

 

Credit Card Chip Technology

HACU Chip Technology Credit Cards.

HACU Credit Cards give you greater fraud protection when you use your card at a chip-activated terminal. 

EMV-reader

Watch a chip technology video

 

Visa Chip Cards - A Simple, Secure and Smart Way to Pay.

 

UNIVERSALLY ACCEPTED

Although new to the United States, chip cards have been the standard form of payment in Europe and many other countries for years. With your new chip card, you'll enjoy greater acceptance when traveling abroad.

ENHANCED SECURITY

The small microchip on the front of the card is the key to better fraud protection. When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code that's virtually impossible to replicate by counterfeit cards.

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HOW TO USE A CHIP CARD AT A CHIP ACTIVATED TERMINAL

For a quick overview, see our diagram on how you'll use your new chip card.

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No matter how you pay, you’re protected against unauthorized use with Visa’s Zero Liability Policy.1

Don't have a HACU Visa Credit Card Yet?   APPLY FOR A CARD TODAY

Answers to questions about chip technology:

Q: What is a chip card?

A: We all use our credit cards for shopping, eating out and buying groceries. Soon you can do so with the added security benefits of an EMV chip credit card. Chip cards are nearly impossible to counterfeit, and travel will be even easier in more than 130 countries where chip cards are already used. EMV chip cards do everything magnetic stripe cards do but even more securely; plus you are still protected from fraud by Visa's Zero Liability policy1.

Q: How will chip technology protect my information?

A: Whenever 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.

1 Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

 

Visa-HACU

 

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