Mid Carolina Credit Union Facebook
Online Banking and Bill Pay
Order Checks


CardValet helps you manage your finances, while protecting you from fraud, by controlling how, when, and where your Mid Carolina CU debit cards are used through your smartphone.

With CardValet:
  • You determine how, when and where your card is used with unprecedented access and control anytime and anywhere
  • Turn your card on and off
  • Set locations where the card can be used
  • Restrict transactions based on merchant
  • Establish transaction amount limits
  • Schedule alerts for certain transactions
Once the program is launched, projected in early September, you can go to either the Apple app store or Google Play and download the CardValet® app. From there, you just register yourself and your EMV debit card over the CardValet® secure network and enjoy immediate access to your account information and controls. And if you’re not yet a checking account member, now is a great time to stop in, open an account and give our high-tech tools like our mobile banking app, Pop Money and CardValet® a try.

Apple Pay and Android Pay, the easy, secure and private way to pay electronically will be coming in late Fall. This tokenization payment technology is one element in a mobile payment security strategy. Members will benefit from peace of mind and a simplified purchasing experience when shopping on a smartphone or tablet.
Tokens help prevent payment fraud by turning sensitive account information into cryptograms that are enabled only when additional layers of security and authentication are provided. If there’s a data breach at a store using tokenization, criminals will likely only get useless information. For added convenience, tokens can easily be turned off without canceling a card. Tokenization is complementary to EMV, which has proven to be successful at reducing fraud at the point-of-sale, while tokenization addresses the potential for fraud in the card-not-present environment of online and mobile channels.

Instant Balance is one of the new features within the Feature Pack 6 update coming to our Mobile Banking App in third quarter. Instant Balance will allow users to view balance information for up to six accounts from the app’s login screen without needing to log in. It will be an optional feature which each user will need to enable for each account they’d like to instantly view.
Checking an account balance is one of the most popular functions for mobile banking users – Instant Balance will help make this process even easier.
More information to come in the coming weeks on each of these new products.

Coming Soon: EMV Debit Cards

Mid Carolina Credit Union is putting you FIRST, by keeping your money and your financial information as secure as possible.

We will soon offer 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:
If the terminal is chip-enabled, you will be instructed to insert your card.
  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. 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.

     To see a video with instructions, click here.

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 debit cards starting late-August. 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.
Frequently Asked Questions
What are chip cards?
A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards, already in 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.
Is a chip card more secure than my current card?
Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.
Can I use my chip card anywhere?
Yes. Your chip card can be used virtually anywhere Visa is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.
When will I get my chip card?
We will be replacing all cards starting late-August. Once your new card arrives in the mail be sure to activate it for use and then destroy your old card.
Can I still use my current card?
You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it.
Do I need to sign the back of the card?
Yes. You still need to sign the back of your card.
Can I use it to make purchases online or by phone?
Yes. You can use your chip card to make these purchases as you do today.
Can I use my card at an ATM?
Yes. For ATM transactions, insert your card into terminal and follow the instructions on the screen. Depending on the type of ATM, you might 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 and any money you might have withdrawn.
When I used my chip card at an ATM, I was asked to select between “Debit” and “Visa Debit”. Which one should I choose?
It is fine to select either one – your transaction will work either way.
What is the difference between chip and signature and chip and PIN?
You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks. Please note that some merchants are now requiring you to use your PIN for debit card transactions (previously you could select “credit” to sign instead). This is why it is important to select and remember your PIN. You are always protected against fraud no matter if you sign or enter your PIN.
What if my card is lost or stolen?
It's important to report a lost or stolen card immediately. Keep a record of the telephone number on the back of your card and call it if necessary.
Will chip cards prevent data breaches?
While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.
Does a chip card contain more information about me that could be stolen?
No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.
Can someone steal the information in my chip card remotely using radio waves or a “contactless reader?”
No, your chip card must be inserted into a POS terminal or ATM in order to read the chip.
Contact us for more information

Call us at 803-432-8521 or stop in if you have additional questions about chip cards, or if you are interested in opening an account.



Fraud using ATM “skimming” devices is on a steady rise, with a new case hitting right in our area at the First Citizen's Bank in Camden. We urge members and the public to be on alert when using ATM's and gas pumps.

Mid Carolina Credit Union checks our ATM's on a regular basis and will be increasing those checks to help protect you and your money. We also suggest when using any device to follow the tips found below in our original article. 
With the recent incidents, it's more important than ever to be vigilant about your financial well-being.

Click here, for additional information including pictured examples on ATM skimming, provided by the NYPD.

Click here, for the full story from WISTV on the First Citizen's ATM skimming scam.



The Richland County Sheriff’s Office has released an alert.

Investigators say an organized group is traveling across the United States placing card readers, or skimmers, on ATM’s. In the recent month, the Richland County Sheriff’s Office reports skimmers appearing in the Richland County area and wants the public to be aware. 

The devices are placed directly over the card slot of the machine and can capture all the data from the card’s magnetic strip. Hidden cameras or wandering eyes take down your pin. If you suspect a skimmer has been placed on an ATM or gas pump, investigators want you to notify the financial institution as well as local law.

Pictured right: skimming device that was recovered from one of the local area grocery stores in Columbia.


With these recent incidents involving card skimming devices being installed at ATMs, all debit card users should be on alert. In a card skimming crime, the crooks install a device on an ATM or gas pump to collect card data which they use to produce fake debit cards to withdraw funds.

Here's what to look out for when using an ATM or gas pump:

  • Depending on the type of card slot, a skimmer is often times no bigger than a deck of cards and blends right in with ATM, looking like a piece of plastic that belongs on the machine. Make sure your ATM doesn't have wires hanging from it, or look like it’s been tampered with -- before you go to use it. Pull on the slot to test it, if you have to, many readers are usually only attached with two-sided adhesive.
  • Police say you should make sure the slot to read your card is the same color as the rest of the machine and look for any nuts or bolts out of place.
  • A card might not go into the ATM smoothly, or there may be something added to the machine. In that case, don't use the card and notify the bank right away.

In the wake of these recent skimming incidents, it's more important than ever to be vigilant about your credit. Your front line resource is checking your bank account and credit card account on a regular basis. At Mid Carolina CU we give you several avenues in order to monitor your account, Online Banking, Mobile Banking, Text Banking and Audio Response. If you haven’t signed up for one of these services, call our member services representatives today for assistance 803-432-8521.

If you really want to protect your credit: If you know you're not going to be opening any new lines of credit or accounts, contact the credit bureau and put a freeze on your credit report, so that no new accounts can be opened without your knowledge.

Here are some things you can do if you've been impacted by skimmers or if you're concerned:

  • Change your PIN
  • Review your account and report suspicious activity
  • If you see unauthorized activity on your account, contact us or credit card company immediately.
  • Use the same ATM as often as possible. Memorize how it looks, so you will know if anything about it looks fishy.
  • Inspect the ATM. If anything looks unusual—cracked, loose, scratched, or taped—don’t use it.
  • Avoid ATMs in popular tourist locations, as they’re common targets. When possible, use indoor ATMs, which are harder for thieves to tamper with or use the cash back option when making a purchase within a store.
  • When entering your PIN on the keypad, cover the keypad with your free hand to block the view of a spying camera.

Carowinds Discount Ticket Program

With our Online Any Day Ticket program with Carowinds, you receive Good-Any-Day discount ticket prices just for being a member of Mid Carolina Credit Union!

We provide you with a customized login and password, found below, that instantly gives you the discount ticket price, once you make your selections, payments are made directly to Carowinds online via credit/debit card and tickets are printed instantly at home! IT'S THAT SIMPLE!

Discount Ticket Prices:

  • 2016 Early Saver Ticket valid thru 6/19/16 - $38.50 (ticket must be used by 6/19/16)
  • 2016 Single Day Admission - $40.00
  • 2-Day Admission - $62.99

*Please note - this is an online discount program, we do not have tickets for sale within our branches.


 Are you planning to travel more than 300 miles over the Summer? Or anytime really. Let Mid Carolina CU know so your Visa Credit Card or Visa Debit Card will not be interrupted. If you plan to use other cards while traveling, you’ll want to call each of them also.

Imagine checking into a hotel only to find out your credit card accounts have been frozen. Be sure to call your credit card issuers ahead of time to let them know you’ll be out of town--especially if it’s an international trip. That way, you won’t be blocked from using your credit cards when you need them most. Card issuers may do that--for your protection--when unusual activity appears in your account. With all the fraud out there, it's just best to be proactive with your account and be in communication with your card issuer so you both can be aware of what activity is legit.

Photo Contest - MY MCCU MOMENT




Please note: This is a Facebook contest, find the contest link on our Facebook page or click the contest promotion above to be taken to entry.


Contest Rules

  • Entering The Contest & Submission Requirements 
- Online Submissions Only
  • Enter your submissions via the entry form through Facebook.
  • Register by entering your first and last name, and email address.
  • Upload Image (image format should be a high resolution JPEG at 150 DPI or higher. Please keep photos “clean” and appropriate.
  • Enter a short description of the image, “My MCCU Moment”, captured and how Mid Carolina Credit Union helped you.
  • Submit your entry., Once the registration process has been completed, you will be directed to a page confirming your entry.
  • Only one image and story can be submitted per person. 

Contest Dates and Deadlines

The MY MCCU MOMENT Photo Contest begins April 1st, 2016 at 8:30 am Eastern Standard Time (EST) and ends December 30th, 2016 at 5:00 pm (EST). Winners will be announced monthly on/around 1st of each month (on business day) starting in May 2016.

Who May Enter

Mid Carolina Credit Union Members…anyone who has been helped by Mid Carolina Credit Union!

Entry Fees

 There is no cost to enter.


Winners will be picked at random from entries.

Consent Agreement

Submission of an entry to the contest automatically constitutes the contestant’s acceptance of all conditions set forth in the above rules. By submitting images you grant Mid Carolina Credit Union (MCCU) the right to use the entry in exhibitions and promotions in print and online, (including, but not limited to contest and seasonal promotions), as well as the right to re-size images for these purposes. MCCU will not exploit your image for any form of direct compensation. You also grant MCCU permission to put you on our e-mail list to receive credit union updates (you can opt out at anytime). Entries not complying with the rules set forth above will be disqualified.


$55 cash (total of 9 winners, 1 per April-Dec. 2016)

Access Visa
Go Mobile
Latest News & Events
CardValet helps you manage your finances, while protecting you from fraud, by ...(more)

Coming Soon: EMV Debit Cards
Mid Carolina Credit Union is putting you FIRST, by keeping your money and your ...(more)

JUNE 28 Fraud using ATM skimming devices is on a steady rise, with a new ca ...(more)

Carowinds Discount Ticket Program
With our Online Any Day Ticket program with Carowinds, you receive Good-Any-Da ...(more)

Are you planning to travel more than 300 miles over the Summer? Or anytime rea ...(more)

Photo Contest - MY MCCU MOMENT

Report Lost/Stolen Card
Quick Links & Applications
Apply For Loan
Online Banking
Home & Family Finance
Copyright © 2013 by Mid Carolina Credit Union | Site Design by JSS Enterprises, Inc.
719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
Verified by Visa