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SCAM ALERT: FFCU or Card Fraud Security will not text Fraud Alerts regarding your FFCU Debit Card. If you receive a text message, please do not respond, and call FFCU immediately. Also, FFCU will not request your online banking credentials and will never ask you to reveal a security code.

EMV Card Design Options

Whether you are a current student, proud alumni, faculty or simply just a devoted fan, there’s no better way to show your school spirit than with your very own New Mexico State University (NMSU) debit card.  Available with any First Financial Credit Union Kasasa Checking Account! Now available for instant issue at any branch for $5.

 Instant issue debit cards available in branches!

 

What is EMV Chip Technology?

EMV stands for Europay, MasterCard, and Visa. An EMV chip card has a microprocessor embedded directly on the front of the card. The chip provides stronger transaction security features and other application capabilities that traditional magnetic strip (i.e., magstripe) cards do not have. Although chip cards do not totally eliminate fraud, they provide additional security for our cardholders.
 

How do I use my chip card at an ATM?

  1. Insert the chip end of your card, with the chip facing up, into the chip-enabled ATM.
  2. Leave your card in the ATM slot for the entire transaction. Follow the prompts on the screen to complete the transaction.
  3. Remove your card when prompted and take the receipt. A light located directly above the card reader will flash to prompt you to retrieve your card. If you do not take your card after a few seconds, the ATM will beep to remind you to remove your card. 

How do I use my chip card in stores?

When you try to swipe the commonly used magstripe at a merchant’s chip-enabled POS terminal, you will be prompted by the terminal to use your card’s chip instead. When instructed to do so, follow these general steps:
  1. Instead of swiping your card, insert the chip end of your card—with the chip facing up—into the chip-enabled terminal.
  2. Leave your card in the terminal throughout the entire transaction and follow the prompts on the screen to complete the purchase.
  3. Remove your card when prompted and take your receipt.

*Limit of one (1) type of Kasasa account (Kasasa Cash, Kasasa Cash Back or Kasasa Tunes) per membership account. Must open and maintain $5 in a primary savings for credit union membership. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Online banking login, receipt of electronic statements, and 12 debit card transactions of more than $5.00 are the monthly qualifications for receiving rewards on these accounts. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

Qualification Information: Account transactions and activities may take one or more Banking Days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases of $5.00 or less, debit card purchases processed by merchants and received by our credit union as ATM transactions, and purchases made with debit cards not issued by our credit union. ”Monthly Qualification Cycle” means a period beginning one (1) calendar day prior to the first day of the current statement cycle through one (1) calendar day prior to the close of the current statement cycle. ATM Fee Refunds: You will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees you must contact us within 30 calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund. Reward Information: Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of statement cycle. Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:

Kasasa Cash: APY = Annual Percentage Yield. APYs accurate as of 10/05/2015. Balances up to $7,500 receive 2.03% dividend rate and APY of 2.05%; and balances over $7,500 earn 0.30% dividend rate on the portion of balance over $7,500 resulting in a range from 2.05% to 0.42% APY depending on the account’s balance. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. When your Kasasa Cash account qualifications are not met: ATM fees are not reimbursed and all balances earn 0.05% APY.

Kasasa Cash Back: 3% cash back on debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. This account does not earn dividends, so there is no APY. When your Kasasa Cash Back account qualifications are not met: ATM fees are not reimbursed and cash back payments are not made.

Kasasa Tunes: You will earn up to an aggregate total of $8.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your First Financial Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified, ends. This account does not earn dividends, so there is no APY. When your Kasasa Tunes account qualifications are not met: ATM fees are not reimbursed and iTunes, Amazon.com and Google Play purchases are not refunded.

 

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