Choose your own PIN by calling 1(800) 567-3451
You can now choose your own PIN (personal identification number) on your HMFCU Debit/ATM card with just a phone call! If you like the PIN you have now, great! There’s no need to change it.
When you have your Debit/ATM card, just call 1(800) 567-3451 and follow the prompts. We’ll ask you a few questions to verify you are the card holder. Then you’ll be asked to select your unique PIN. This activates your card and you’re ready to go!
If you’re a new card holder, you’ll choose your own PIN once you activate your card. You don’t have to wait for a PIN to be mailed to you!
It’s convenient, easy, and secure.
If you have any questions, please call us at (713) 699-0795 and we can gladly assist.
Lost or stolen card?Please contact a representative immediately at the number listed below to report your lost or stolen card.
Debit Card 1-800-554-8969
Credit Card 1-800-442-4757
Chip Enabled Debit Cards
Houston Metropolitan Federal Credit Union is now offering debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance. A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.
These cards are already in wide use around the world and are now becoming the standard in the U.S.
Follow these steps to use your card at a chip-enabled terminal:
Start the payment process by ‘swiping’ your card, just as you do today. If the terminal is chip-enabled, you will be instructed to insert your card.
Insert your card, face up and chip end into the chip-enabled terminal.
Leave the card in the terminal during the entire transaction.
Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
If a merchant isn’t using a new chip-enabled terminal yet
Your payment will process as it normally does from your initial ‘swipe’. Chip cards will continue to have the magnetic stripe on the back.
Online or phone purchases
Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.
At an ATM
The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you may be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.
When will the change happen?
Even though chip cards are being issued in the U.S. and some merchants have already installed chip-enabled card terminals for payment, the entire conversion process is expected to take a few years to complete.
That’s why chip cards will continue to have a magnetic stripe on the back. That way, if a merchant’s terminal or an ATM is not yet chip-enabled, your transaction can still be processed using the magnetic stripe as it is today.
When will I get my chip card?
To ensure that all of our cardholders have the additional protections offered by chip cards as soon as possible, we will be replacing all credit/debit cards by date. Once your new card arrives, be sure to activate it for use and then destroy your old card.
There is no need to request a new card. You’ll automatically receive your chip card in the mail. There is no charge for the new chip card.
How am I protected?
With Zero Liability–All debit and credit cards that we issue come with ‘zero liability protection,’ so you are not held liable for unauthorized transactions if a card is lost, stolen, or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.
Chip Card FAQ
These cards, already is use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.
- Insert the card, face up and chip end first, into the terminal.
- Leave the card in the terminal during the entire transaction.
- Follow the instructions on the screen and either sign or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
For merchants without chip-enabled terminals, your payment will process as it normally does from your initial swipe.