IMPORTANT INFORMATION ABOUT YOUR DEBIT CARD

 You will soon be receiving a replacement Scott Credit Union VISA debit card with EMV chip technology.

We are sending you our new Scott Credit Union VISA debit card with a new expiration date and CVV code because we recently selected a different company to process our debit card transactions. Your card number will remain the same.

Your new card now comes with an embedded chip that provides better security when used at chip-enabled readers.

You must activate your new SCU VISA debit card on or after Wednesday, September 6. 

You will not be able to activate your new card until this date. Your existing card will expire soon after September 6th.

The activation information will be on a sticker on your new card. Be sure to use your new card after you have activated it. Please destroy the current card after you activate your new card.

The following is additional information about your new card:

  • Your new replacement card will be mailed to you late in August. If you will be traveling, please call us to give us a temporary address to which we can send your card. This will assure that you have a debit card that works after September 6.
  • If you have moved or have had a change in your address, please contact us with the new address immediately. This is extremely important in assuring that you will receive your new card.
  • Your card number and PIN will remain the same.
  • If you have automatic debits (i.e. Subscriptions, Internet Service charges, Health Club charges) on your existing debit card account, you will need to contact the merchants and provide your new expiration date to re-establish these automatic payments.
  • With your new Scott Credit Union debit card, you will still be able to access your account information through SCU Online Banking.
Below are some frequently asked questions about the upcoming changes to our debit cards:

Q. When will the conversion occur?

A. The existing debit cards will stop working early the morning of Wednesday, September 6. At that time, you will need to activate your new card and begin using it. There will be no time that transactions won’t be completed. After your existing card is turned off, you will need to simply activate and use the new card. All transactions will be processed.

Q. Why are we replacing members’ cards?

A. Because we are offering the EMV chip technology that will offer added fraud protection for you. We are also moving to a new card processing vendor.

Q. Will I get a new card number?

A. No. Card numbers will remain the same.

Q. Will I get a new PIN number for my new card?

A. No. PIN numbers will stay the same and mailers will not be sent, with the exception of those cardholders who do not currently have a PIN #.

Q. Will my new debit card have the same expiration date?

A. No. All cards will have new expiration dates. You will need to notify merchants with the new expiration date for any automatic payments that are paid with your card.

Q. Will the CVV code on the card change along with the expiration date?

A. Yes. Both the CVV/CVV2 code and the expiration date will change on their new card.

Q. Can I activate my new card before September 6?

A. No. You will not be able to activate your new card until early in the morning on September 6. If you call prior to 9/6, you will hear the message stating “I’m sorry, the account number you gave me does not match our records.”

Q. How do I activate my new card starting on September 6?

A. Simply call the activation number on the sticker on the new card. The phone number is 1-800-543-5073.

Q. What should I do with my old debit card?

A. You should destroy the old card AFTER they activate and start using the new card.

Q. When will I receive my new card?

A. The new cards will be mailed on August 24.

Q. What if I will be out of town or want my card sent to an alternate address?

A. If you are going to be out of town or would like your card sent to an alternate mailing address, please contact our Member Service Center at 800-888-4728 or 618-345-1000.

Q. Will I be able to access my debit card account information online or on mobile banking after conversion?

A. Yes, you will access your transactions inside of SCU Online and SCU Mobile the same way you always have.

Q. What number should I call if I lose or have their card stolen?

A. The lost or stolen card number for our new debit cards is 800-543-5073.

Q. If I used my existing card to reserve a hotel room or rental car, what should I do when I go to pay after conversion.

A. You simply need to activate and present your new card to make your payment for the hotel room or rental car. When checking in for air travel booked with your current card you may not be able to use the self-check-in option.

Q. What is a “chip card”?

A. Chip cards are cards that are embedded with a microchip. The data on the chip is unique and continuously changes. This makes it more difficult for a fraudster to commit fraud by creating a counterfeit card or getting any of your personal information if there is a breach at a merchant. The information on the chip for each transaction is the only data transmitted to the merchants when you make a purchase. None of your card or personal information is shared with the merchant. Therefore, Chip cards add an additional layer of fraud protection to the credit card.

Q. What if the store doesn’t have a chip reader?

A. You would simply swipe your card at the terminal as you did with your prior card.

Q. Do I need to do anything different with my chip card when shopping online?

A. No, the process has not changed for purchases made online.

Q. If I am registered for Verified by Visa, will I need to re-register my new EMV card?

A. Yes, the registration does not carry over to the new card processor. You will need to re-register to participate in Verified by Visa after receiving your new EMV card.

Q. Will my new EMV card be a Chip and Signature card or Chip and PIN?

A. The EMV card issued to you will be a Chip and Signature card for card present transactions. There will be no change for online purchases. It has been reported by the card industry that the PIN typically only addresses fraud when the card is lost or stolen. In the US, fraud from lost or stolen cards is relatively small compared to counterfeit fraud. It is also believed that most credit card users do not use or even know their PIN, making a Chip and PIN card not as convenient to use.

Q. Will I need to reload my new card into Apple Pay?

A. Yes, you will need to delete your old card and reload your new card into Apple Pay. HSA cards are not tokenized and cannot be used with Apple Pay.