Contactless Card Payments Are Quick, Convenient and Safe

Money Matters for Cinfed Members

Contactless Debit and Credit Cards are Here

Posted on August 31, 2020
Topic Categories: Credit Cards

Contactless Debit and Credit Cards are Here

By Milton Jones, Collections and Card Services Director

If you’ve used a debit or credit card to make a purchase in a retail store lately (or if you’ve gotten a new credit or debit card), you may have noticed a new symbol:

That indicates that you can conduct transactions using contactless technology: instead of swiping or inserting your card, you can simply tap to pay. Newly issued Cinfed debit and credit cards now feature this technology, so when you check out anywhere that features tap to pay terminals, you can pay without touching the unit. Just tap or wave your debit or credit card — or use your digital wallet — and be on your way. You don’t have to touch the terminal at all.

How do contactless cards work?

Contactless debit and credit cards contain a near field communication (NFC) chip and a radio frequency antenna (RFID). Checkout terminals equipped with this technology use radio waves to obtain your payment information. You just:

  1. Look for the contactless symbol on checkout terminals.
  2. Tap your card on the terminal.
  3. Go as soon as you hear the beep, or see the green light or checkmark, letting you know your purchase is complete.1

Are contactless payments secure?

When you pay with a contactless card, a one-time code is exchanged to keep your purchase secure. It does not transmit any personal information like your name, security code or billing information. Plus you don’t have to worry about anyone in the vicinity seeing or stealing your account information. Contactless cards are as secure as cards with chips and more secure than swiping a magnetic strip.

How do I know if my card is contactless?

If you have a new or recently replaced Cinfed debit or credit card, it comes with contactless technology. Look for the contactless symbol on the front of your card. If your card is not contactless, it will be updated on your replacement card after your current card expires.

Contactless card advantages

With tap-to-pay technology, contactless cards make in-store purchases easy and fast. In addition, they minimize surface contacts to help ensure your retail interactions are safer. You can also use your card through your digital wallet to have another option. Of course, your card also continues to meet the needs of other payment formats, whether in person or online.

Looking for a new credit card?

Are you getting the best rate possible on your credit card? Now is a great time to see if you could get a better rate with a Cinfed Mastercard®. If you have challenged credit or need to build your credit score, a Cinfed Secured Card can be your answer. Learn more about how to use credit cards wisely.

To apply for a Cinfed Mastercard®, complete an application online or contact one of our branches for assistance.


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


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I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
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I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
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I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
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I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
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I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
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