What  is EMV? 
EMV stands for Europay, MasterCard, and Visa. A micro-chip is embedded  right in the card and provides an extra layer of fraud protection over traditional magnetic strip cards. With major retailers like Target and Home  Depot making headlines as targets of security breaches and hackers, EMV technology works to keep your identity and personal information secure and  offers added protection from fraud when making a transaction.                           

Why are EMV Transactions More Secure? 
A Chip Card adds an additional layer of sophisticated fraud protection through an embedded microchip that turns card member information into a unique code when used at a chip-enabled terminal that is difficult to duplicate or copy. A Chip Card adds an additional layer of sophisticated fraud protection through an embedded microchip that turns card member information into a unique code when used at a chip-enabled terminal that is difficult to duplicate or copy. 

Why Does My EMV Credit Card Require a PIN? 
Your EMV Chip Card has a PIN in order to provide you with the latest  security features. Depending on the merchant, you may be required to enter this PIN to authorize your purchase and validate that you are the owner of the card. In order to keep your card secure, do not share your PIN with anyone or write in anywhere on the card.         

How do I use a chip-enabled credit card?
When making a purchase at a merchant with a chip reader, insert the card into the reader and leave the card in the terminal while the transaction is processed. With merchants who have not upgraded to chip-enabled terminals, simply swipe the card as usual to make the transaction.