Improved Security

Your card now includes a chip.

Energy One’s debit cards now have the latest chip technology, providing an added layer of security with greater protection against fraud.

World-wide Acceptance

Your chip card will make traveling easier.

The chip now on your Energy One debit card will also make traveling easier and more convenient due to its wide acceptance. Your card continues to have the traditional magnetic stripe on the back, enabling you to use it at merchants without chip-enabled terminals.

How it Works

  • Merchants, such as a grocery store, may ask you to insert your card into the terminal or they may ask you to swipe the magnetic stripe
  • If you’re asked to insert the card, look for a slot on the bottom-front of the terminal and insert your card face up with the chip first
  • Leave your card in the terminal unit the transaction is complete
  • The terminal will prompt you to sign or enter a PIN to validate your identity
  • Take your card when prompted and don’t leave it behind

Energy One Federal Credit Union Card Fees

Energy One’s standard card has a brilliant blue design. New debit card holders will receive this card, along with any regularly scheduled renewals, at no charge. For other replacements, or to upgrade to a different card design, there will be a $10 fee.

Note: Members with a Premier One checking account who are placing their first-time card order may upgrade to a premium debit card design at no charge. Members with other checking account types may also upgrade to a premium card design for a $10 fee. Available EMV/chip card designs are displayed below.


015 $20 bills

201 Brilliant Blue

068 Charcoal Swirl

018 Earth Globes

010 Flag

202 Emerald Green

069 Navy Burst

203 Tuxedo Black

004 Grey Marble

072 Burgundy Swash

023 Tranquility

EMV frequently asked questions

When will I receive my new EMV card?

Will my card number change?

How do I activate my new card?

Why am I receiving a new card?

What should I do with my existing Visa debit card?

Where can I use my chip card?

Can I still swipe my card to pay?

Will I have to pay any fees to use my chip card?

How do I make a purchase with my new chip card?