International Travel Made Easy with our NEW VISA Re-loadable Pre-Paid EMV Chip Card


Feel like going international? Make sure you get our new International VISA Re-loadable Pre-Paid EMV Chip Card  (EMV= Eurocard, Mastercard and VISA) before you cross the US borders.  Our International VISA Re-loadable EMV Chip Card is the perfect traveling companion for anyone visiting locations outside of the United States.

Designed with the latest technology in a fully reloadable card product, the card features an embedded microchip that aids in reducing the chances of unexpected transactional inconveniences such as transactions being denied or rejected because of lack of merchant training; the use of chip-only unattended subway and vending terminals; and the fact that some overseas merchants do not want to accept the magnetic stripe cards because of risk.

It also delivers full debit card functionality at the point-of-sale, ATM access, cash advances and may be used online. This card product is specifically designed for our Credit Union members who are working, traveling, living or studying in Canada, Europe and other regions of the world where EMV Chip Card technology is the preferred method of payment.

“This step into EMV Chip Card technology has two objectives for us – first to serve our international traveling membership and ensure smooth transactional experiences abroad; and second to deliver greater levels of security and risk mitigation tools within our card programs including our pre-paid programs and standard debit and credit cards,” explained Jim Heile,  our Assistant Vice President of Card Services. “While we’re doing all that we can to protect our members from fraud, account security risks and identity theft, we don’t have control over what others are doing elsewhere. This puts that extra layer in place in addition to the added convenience when a member is outside of the US border.”

In a recent study completed by VISA, it was reported that the decline ratio in international locations throughout the world has reached 10.7% because of the lack of EMV Chips and international merchants being reluctant to accept older magnetic stripe technology.

The EMV Chip Card also allows a member to travel without having to obtain foreign currency prior to the trip. The Card can be used to make purchases at millions of VISA debit locations worldwide and to obtain cash at any VISA ATM worldwide. Even merchants in countries who only accept cards with a Chip will be able to approve the transaction. However, note that some unattended kiosk terminals outside the U.S. such as luggage cart rentals, parking garages, even transit terminals may decline an International Prepaid Card due to the way the authorization is sent.

George Nahodil, our Executive Vice President of Retail Delivery, Public Relations and Marketing, believes our members will appreciate this new product. “We’re definitely excited about being able to add this product to our Card mix. If there is any way we can make our members’ experience positive, be it here or overseas, we’ll find a way to do just that. We’ve found that the United Kingdom, Italy and France are the top three countries where members are beginning to experience major changes at the point-of-sale. Even our neighbors in Canada are in the midst of a major migration to EMV Chip Card point-of-sale terminals at merchants. This Card is perfect for business travelers as well as students who may be studying abroad as well as the casual traveler,” he said.

 “We not sitting back watching what others are doing, we’re very much involved in the future today and EMV Chip Card technology is just the beginning,” said Heile.

How do you get your International VISA Re-loadable Pre-Paid EMV Chip Card? First you have to be a member of our Credit Union. This card may be purchased by any member at one of our conveniently located 51 branches or through www.members1st.org. For more information about obtaining an International VISA Re-loadable Pre-Paid EMV/Chip card, interested individuals may call (800) 283-2328, ext. 6035 or visit www.members1st.org; click “Products & Services”, followed by “Card Services”.

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