EMV Technology - East County Schools Federal Credit Union
Skip to main content

Online Banking

Open An Account  |  Apply For A Loan

EMV Technology

Enhanced Fraud Protection with Chip Technology

All Platinum East County Schools Federal Credit Union Visa Credit Cards have built-in EMV chip technology for your protection.

  • Enhanced level of security - the embedded chip generates a one-time use code when used at a chip-activated terminal. This code is nearly impossible to counterfeit and helps to reduce in-store fraud.
  • Swipe capability - if a merchant is not yet chip-activated, you can still swipe your card to pay
  • International Acceptance - the majority of merchants outside the United States require EMV chip technology. Your East County Schools Visa card is a great choice for your business and personal travel.
  • Visa's Zero Liability* Policy - is Visa's guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.  Visa's Zero Liability Policy does not apply to any transactions that are not processed by Visa. For specific restrictions, limitations and other details, please call ECSFCU

If you have a Classic or Fresh Start VISA card, ask in our branch if you qualify for a Platinum Choice or Platinum Rewards VISA.

*Visa's Zero Liability policy does not apply to certain anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify East County Schools immediately of any unauthorized use. Contact ECSFCU for more detail.


Fun Fact: EMV stands for “Europay, Mastercard, and Visa,” the three companies who began this initiative

Financial Education

Financial Foundations

 Could you use an easy explanation of the basics? These short, understandable lessons will help you to make better decisions related to managing your money. Titles include: Checking Accounts, Car Loans, Preventing Overdraft Fees, Credit Cards, Mobile and Online Banking and Why You Should Pay More than the Minimum Balance on your Credit Card.

Financial Foundations Articles

Building Financial Capacity

Adulting can feel overwhelming at times! Select from short but comprehensive modules on Creating a Budget, Credit Scores & Reports, Taxes: the Basics, Healthy Financial Habits, Debt Management, Identity Protection and How to Start Family Conversations about Money.

Building Financial Capacity Articles

Owning a Home

Home Ownership can feel overwhelming. Talk to us any time, but these articles will also educate you about the benefits and costs of all aspects of owning a home. Learn about Buying a Home, Mortgages, Mortgage Relief, Investment Property, Reverse Mortgages and Refinances.

Owning a Home Articles

Investing in Your Future

Are you prepared for college tuition, one of life's emergencies or a comfortable retirement? Explore important financial planning topics like 529 plans, Emergency Savings, Health Savings Accounts, Sustainable Investing, IRA's, Estate Planing, and the FIRE Lifestyle.

Investing in Your Future Modules

Preparing for Retirement Modules

Members LoveECSFCU!

  • We bank with East County Schools Federal Credit Union and learned they also have a great car buying service! We decided to look into it and ended up with the best customer service, an amazing price, no hassle of going to the dealership, and a brand new 2017 Honda Accord Sport! A year later, we were in need of another car for our growing family. It was an easy decision to go with the credit union and New Cars Inc again. The process and customer service didn’t disappoint once again, and we love our new 2018 Honda CRV! A big thank you to New Cars Inc and ECSFCU!
    Carly and Luke Esquerra