Using Your TFCU MasterCard Debit Card

Thrivent Credit Union is excited to offer members the latest in debit card technology. The debit card you received in the mail is equipped with microchip technology, which makes it difficult for fraudsters to duplicate your information when you use your card.

With the chip, dynamic data is created, making each chip transaction unique and virtually impossible to replicate.

FAQ Topics

General Questions

Q. How do I use my new debit card at a chip-enabled terminal?
A: Follow these steps:

  1. Insert your card chip-end first into the chip-enabled reader on the terminal.
  2. Leave the card in the terminal and follow the prompts on the screen.
  3. Remove the card when the terminal indicates that the transaction is complete.

Please note that you may also swipe your card to pay if the merchant's terminal is not yet chip enabled.

For a visual guide and a how-to video, visit MasterCard's website.

Q: What if the retailer doesn't have a chip-enabled terminal?
A: You may also swipe your card to pay if the merchant's terminal is not yet chip enabled.

Activating Your Card

Q: How do I activate my card?
A: Call 800-992-3808. These instructions are also printed on the sticker affixed to your card.

Have your new debit card handy, since entering the card number is part of the activation process.

Q: What information do I need to successfully activate my card?
A: You will be asked to validate both the debit card information and your personal information in order to activate your card.

Q. What's my PIN?
A: You will set up your new PIN during the activation process. To start the activation process, call 800-992-3808.

Q: Who should I contact if I have questions about activating my new debit card?
A: You can contact the credit union by calling 888-274-1722, and a customer service representative can assist you.

Chip Card Technology

Q: What is an EMV chip card?
A: The EMV chip card is a card embedded with a computer chip. They are simple to use and are widely accepted, and give cardholders increased convenience and security.

Q: Are chip cards new?
A: Although chip cards are relatively new in the United States, they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.

Q: How is a chip card different from a magnetic stripe card?
A: A chip card looks just like a traditional card, but it has an embedded chip. Rather than swiping your card, you insert your chip card into the terminal to complete the transaction.

Q: What are chip cards?
A: A chip card is like the card you have today, but includes an embedded microchip. The chip contains information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. Your chip card will also have a magnetic stripe on the back, so that you can continue using your card while merchants are transitioning to new chip-enabled terminals.

Q: What are the benefits of chip technology?
A: The embedded microchip provides robust security features and other capabilities that are not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

Q: Where can I use my chip card?
A: Use your chip card at the same merchants you do now – either by inserting the card into terminals that are chip-enabled or swiping your card. You can also continue to use your card as you did before for online payments, telephone payments and at ATMs.

Q: How does chip technology work?
A: When your card is inserted in the terminal, the chip communicates with the terminal to determine whether the card is authentic. Typically, the terminal will prompt you to enter a PIN or signature to validate your identity. Once approved, your transaction will be complete.

Contact Information

Q: Who do I contact if I want more information?
A: Please contact the credit union by calling 888-274-1722.