Personal Resources

USC Credit Union has proudly served the Trojan family since 1973.


Chip-Enabled Cards

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USC Credit Union has upgraded its credit cards and debit ATM cards to include chip technology, also known as EMV (Europay, MasterCard®, Visa®). Chip cards offer enhanced fraud protection via a small square chip inserted into the front of the card.

  • Security


    The small square chip on the front of the card is at the heart of the card’s fraud prevention. When you use your card at a chip-activated terminal, the embedded chip generates a one-time purchase code that helps prevent fraud. Using stronger authentication via data encryption and immediate purchase verification, it becomes more difficult to access, use or duplicate the information stored on your card.

  • Simplicity


    You can use your chip card everywhere. Merchants are in the process of updating their payment terminals to process transactions using chip technology. If a merchant is not yet chip card capable, your transaction will be processed with a swipe using the magnetic strip on back, just like usual. Check the sidebar or visit our FAQ to learn more about how to use your card.

  • Worldwide


    Although new to the United States, chip cards have been the standard form of payment in Europe and many other countries for years. With your new chip card, you’ll enjoy greater acceptance when traveling abroad.

  • PIN-Based


    Our chip cards come with an extra layer of security called PIN technology. While the magnetic stripe is still a solid security feature and the Chip and Signature is better, the combination of Chip and PIN guarantees the utmost security. These PINs are coded into the card’s chip and, unlike a signature, are nearly impossible to copy or forge.

  • EMV FAQs


    Our EMV Chip Card FAQ has answers to some of the most commonly asked questions from our members.