Chip Cards

MEMBERCARD® debit cards are chip-enabled. This feature provides a whole new level of security and peace of mind.


Chip cards contain an embedded microchip, which is virtually impossible to replicate. This provides protection against card counterfeiting and fraud. Even though these new chip cards incorporate sophisticated new technology, they are easy to use. When you use your cards at an ATM, you won't notice any difference. To enhance security, your new chip-enabled card will require you to use your Personal Identification Number (PIN) at most retailers. In addition to a chip, your new cards will continue to have a magnetic stripe ensuring your cards work if the retailer's technology does not support chip.

First, you will receive the Personal Identification Number (PIN) for your chip card.  Keep your PIN safe and don't disclose it to anyone.  A few days later you will receive your chip card. Once you have followed the instructions to activate the card, you can begin using it. If you would like to change your PIN once you receive your chip card, it can be done through our ATMs or by visiting one of our 12 locations province-wide. 

Chip cards represent the highest level of security available to protect payment information by employing a range of security features and measures that work in concert with each other to create a multi-layered defense against fraud.
  • Memorize your PIN and do not carry it with you.
  • Do not disclose your PIN or lend your card to anyone.
  • Never keep your PIN and card in the same location.
  • If you become aware that your NLCU Membercard debit card PIN has been compromised or is known to others, contact NLCU immediately at 1-800-563-3300.
Your PIN is unique to you and it must be kept confidential. Remember, never disclose your PIN to anyone or carry it with you. You will never be asked for you PIN when making a mail order or internet transaction. Never disclose your PIN over the phone, internet or when making a mail order transaction.

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