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.
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.
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.
A. No. Card numbers will remain the same.
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 #.
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.
A. Yes. Both the CVV/CVV2 code and the expiration date will change on their new card.
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.”
A. Simply call the activation number on the sticker on the new card. The phone number is 1-800-543-5073.
A. You should destroy the old card AFTER they activate and start using the new card.
A. The new cards will be mailed on August 24.
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.
A. Yes, you will access your transactions inside of SCU Online and SCU Mobile the same way you always have.
A. The lost or stolen card number for our new debit cards is 800-543-5073.
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.
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.
A. You would simply swipe your card at the terminal as you did with your prior card.
A. No, the process has not changed for purchases made online.
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.
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.
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.