Introducing chip technology for the University of Toledo Federal Credit Union Visa Credit Card – get big protection in a tiny chip.


The University of Toledo Federal Credit Union Visa Credit and Debit Cards will come with chip technology built right in. This tiny chip protects your card information in a very big way.

Receive an enhanced level of security. When you use your card at a chip-activated terminal, the embedded chip protects your information by creating a unique code for each transaction.

Enjoy global acceptance. More places than ever now accept Visa credit cards. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide.

Where can I use a chip-enabled card?

You can use your chip-enabled card at millions of places that accept Visa credit cards, at home or abroad.

Can I still swipe my chip-enabled card to pay?

Yes. If a merchant is not yet chip-activated, simply continue to swipe your card to pay.

I'm not sure I've seen a chip-activated terminal. Is there anything different about how I pay?

More of the places you like to shop are transitioning to chip-activated terminals every day. The checkout process is only slightly different than usual. First, insert the chip end of your card into the terminal with the chip facing up and follow the prompts on the screen. Then, remove your card from the terminal when prompted and take your receipt. You may need to sign for your purchase. At a restaurant, a portable terminal may be brought to your table.