“Chip cards have arrived at Franklin Johnstown Federal Credit Union. As cards expire, the replacement cards will be Chip enabled cards. If there are multiple names on an account that have cards, they will each be automatically issued a separate card number. Previously all cards on an account had the same card number and PIN. The individual card number is an advantage. If a card becomes lost, stolen or compromised, the other card will still access the account, instead of all cards being blocked and no access to the account. If for any reason you do NOT want separate card numbers (and PINs) on an account, you MUST notify us the month prior to your card expiration. If we do not hear from you, separate cards will be issued.”