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What if the merchant (store) doesn’t have a chip-enabled machine?

If a merchant isn’t using a chip-enabled terminal yet, you will ‘swipe’ your card to make your purchase, just as you do today. Chip cards will continue to have the magnetic stripe on the back, allowing them to work in regular terminals.

Holiday Closure: All branches and the Member Service Center will close at noon on December 24 and be closed all day on December 25.