Frequently asked questions about your new ATM/Debit Card with EMV chip card technology.
Your old check/ATM card will stop working on October 15, 2012. You should activate your new card by using it at an ATM with your existing PIN number, before that date. You may also call customer service at 800-239-9427 to activate your new card by phone.
We are replacing your magnetic stripe card with a new ATM/Debit Card that uses chip technology. In addition to the magnetic stripe found on your old card, your new card is embedded with a microprocessor chip. It is more widely accepted in global markets that have migrated to EMV-compliant ATMs and terminals.
The Community Bank Check Card and ATM Card are both being replaced with the new EMV chip cards.
Your replacement Debit Card will be assigned the same card number and PIN as your existing card. However, the expiration date and CVV code will be different. If you have automated ACH payments set up using your card, you'll need to contact your payees and provide the new expiration date and CVV code. Your replacement ATM card will have a new card number but your existing PIN will stay the same.
You may use your new ATM, with your existing PIN, as soon as you receive it. You may use your new Debit Card immediately upon activation. Your Debit Card will be mailed with a sticker on it indicating that the card must be used at an ATM to activate it. In addition, you may activate your card by performing a PIN-based transaction at a merchant terminal, using your existing PIN.
You will continue to use your new card just as you have been using your existing card. Your new Debit Card will work at merchant terminals where VISA is accepted by using either the chip or magnetic stripe.
If the merchant is using an EMV-compliant terminal, your new Debit Card will be inserted into the Smart Chip Reader, instead of using the magnetic stripe. After the transaction is approved, you will be asked to sign the charge slip to complete the purchase. If a merchant does not have an EMV terminal, your new card will be read by its magnetic stripe, just as your existing card currently is.
"EMV" is a global standard for credit and debit payment cards based on chip card technology that was developed by Europay, MasterCard, and Visa.
Chip technology uses EMV global standards for processing card transactions. A microprocessor chip embedded in the card is programmed and encrypted with information that is exchanged between the card, the terminal, and the acquiring bank's host.
Chip cards are more widely accepted in global markets that have migrated to EMV-compliant terminals.
Many features of chip cards are similar to magnetic stripe cards. Both types of cards are embossed on the front with the Card Number, Cardholder Name, and have a magnetic stripe on the back of the card. The key difference is the gold-colored (ATM) or silver-colored (Debit) embedded chip on the front left side of the card. In addition, it has a new look and improved design.
No, it will not take longer than the usual time to complete transactions.
A standard ATM card allows you to access ATMs anywhere you see a network logo displayed that matches one of the logos on the back of your card. Your Community Bank Debit Card does everything an ATM card can do and more. It is accepted at both Community Bank and non-Community Bank ATM locations that display a network logo matching one of the logos on the back of your card. You can also use it to purchase goods and services anywhere Visa Debit Cards are accepted. If you have a Debit Card, there is no need to carry your ATM Card.
With credit cards you are borrowing money to pay for purchases, and you can repay the loan either in full each month or over time. With a Debit Card, purchases are automatically deducted from the funds in your Checking Account. In addition, if your Checking Account is linked to a Line of Credit, you may borrow against it when a Debit Card transaction exceeds the funds available in your Checking Account. The standard terms of your Line of Credit agreement will apply to the transaction and the amount borrowed.
Transactions made in foreign currencies will be charged to your checking account in U.S. dollars and will appear on your monthly statement. The conversion rate on the processing date may differ from the rate on the date of your transaction. The currency conversion exchange rate is (1) a rate selected by Visa® from the range of rates available in wholesale currency markets for the applicable central processing date, this rate may vary from the rate Visa® itself receives, or (2) the government-mandated rate in effect for the applicable central processing date; plus, in each instance, an International Transaction Fee determined by us and reported on your statement as a single charge for each converted transaction. For any Community Bank ATMs, the conversion rate is set by us, and there is no adjustment factor.
No. All of your Debit Card transactions will appear on your monthly Checking Account statement.
Your Debit Card will not work without a Checking Account. It will become inactive when you close your Checking Account. We highly encourage you to maintain your Checking Account.
Chip cards should be just as durable as traditional cards at withstanding normal wear and tear. The chip should last as long as the card is valid.
ATM Cards are non-expiring and will not have an embossed expiration date. Debit Cards will have an expiration date that is approximately three years from the time of issue. It will be embossed on the card. The embedded chip has the same validity period as the date that is embossed on the card.
You will be able to use your chip card just as you have been using your existing ATM/Debit Card. ATM Cards are primarily for use at ATMs, but also work at merchant terminals that accept AFFN and support online PIN (Personal Identification Number). Debit Cards work at both ATMs and merchant terminals. Your new Debit Card will work, using either the chip or magnetic stripe, at merchant terminals that accept VISA and support online transactions. (However, you may encounter denials at a limited number of offline, unattended self-service EMV terminals or kiosks.)
Your ATM/Debit Card will be accepted at EMV- and non-EMV compliant ATM's that read either the magnetic stripe or the chip and authenticate the transaction with an online PIN. If the ATM has an EMV chip reader, it will read the chip. Your transactions at Community Bank ATMs will continue to use PIN authentication and function in the same manner as they currently do.
If the merchant is using an EMV-compliant terminal, your Debit Card will be inserted into the Smart Chip Reader. After the transaction is approved, you will be asked to sign the charge slip to complete the purchase.
Yes. If the merchant accepts Visa Debit Cards, you can use your Debit Card.
There are no transaction fees for using your Community Bank Debit Card to make purchases in U.S. Dollars. However, when making foreign currency purchases, an International Transaction Fee will be assessed. Fees may also apply when you use your card at a non-Community Bank ATM. Some merchants may charge a fee, as well.
When you use an ATM, you'll be provided with a receipt after the transaction is completed. If your transaction is declined, you will get an error message. Transactions at a merchant terminal will provide you with the transaction's status, once the authorization process is completed.
When you use your Debit Card at ATMs and to make purchases, we may apply two daily limits to the amount you are authorized to withdraw from your deposit accounts during each day – a cash limit and a purchase limit. The purchase limit on your debit card is $1500, and the cash limit is $509.
For security purposes, we may place other restrictions on the purchase limit from time to time. In addition, we may temporarily establish higher or lower limits upon your request. Debit Card limits are reset daily based on a calendar day. For more information see the Card Disclosure.
For all cardholders, the daily cash limit is $500 for ATM Cards. The purchase limit is $1000 for ATM Cards.
Please note that some ATMs may not be able to dispense the full amount of your cash limit in a single transaction in which case you may need to perform more than one transaction.
For more information see the Card Disclosure.
Yes. Some merchants are linked to regional and national networks (like PLUS) that allow you to authorize more than the cost of goods or services purchased and receive the difference in cash.
Yes. You may use your Debit Card to pay bills with any merchant or service provider that accepts Visa. Since you have direct relationships with your service providers and merchants, you must contact them directly to pay a bill with your Visa Debit Card.
Paying bills with your Debit Card simplifies your life. Your payments are made quickly and conveniently, and you no longer have to track payment due dates, buy stamps, visit the mailbox, write checks, or balance your checkbook. Additionally, Visa bill payments are protected. You are not liable for unauthorized charges made to your account (as long as you notify us promptly).
We do not charge a fee for the convenience of bill payment, and many merchants offer this option for free, as well. Contact merchants directly to determine if they charge a fee.
Typically, merchants or service providers require the following information:
Note: If for any reason you receive a new card number or the expiration date changes, you must notify the merchant to ensure your automatic payments are not affected. The merchant will need the new card number and expiration date. They may also request the three-digit code on the back of your card.
You should never have to give your PIN to anyone assisting you with a transaction. In fact, you should never have to share your PIN with anyone. For ATM transactions and some merchant transactions, you will be required to enter your PIN into a keypad. However, if you have a newer EMV-Chip Card, you will not be required to type in your PIN. Instead, you will be asked to sign a sales slip. Regardless of what kind of card you use, simply follow the instructions on the terminal screen to complete the transaction.
If the transaction is non-EMV, the customer will have an option to enter a PIN.
No. You will use the same PIN for both purchases and ATM transactions.
Notify us ahead of time that you will be traveling to another region, state, or country. This will help to ensure that your transactions are not flagged as potentially fraudulent and declined.
You can request a Debit Card by contacting your local Community Bank or by calling 1-800-239-9427, Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
To add additional accounts, please contact your local Community Bank or call us at 1-800-239-9427, Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
You must have a primary dollar checking account attached to your Debit Card. You can also have additional checking accounts, savings accounts, and sterling accounts attached. Debit Cards do not support Savings-only or Sterling-only accounts. Your Debit Card can support up to 27 accounts.
Yes. As long as you have a Checking Account, you can convert your existing ATM Card to a Debit Card at no charge. Simply contact your local Community Bank or call us at 1-800-239-9427, Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
To activate your Debit Card, use your card at an ATM with your current PIN. Your card will automatically activate. You can also activate your card by using it with your PIN at a merchant's Point of Sale (POS) terminal. If you are unable to access an ATM or a POS terminal, please contact your local Community Bank or call 1-800-239-9427, Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
Please contact your local Community Bank or call 1-800-239-9427, Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
The microprocessor chip embedded in the card stores the information required to authenticate, authorize, and process transactions. This is the same type of information already stored on the magnetic stripe. No personal information about your account is stored on the chip card.
Please call us immediately at 1-800-239-9427 or (210) 270-5723 and select Option 6 from the Main Menu and Option 1 from the Submenu. Your call will be transferred to our Lost and Stolen Department.
Please call us immediately at 1-800-239-9427, and select Option 6 from the Main Menu and Option 1 from the Submenu. Your call will be transferred to our Lost and Stolen Department.
You may change your PIN, as often as you choose, at any Community Bank ATM. The PIN change will be effective immediately.
Verified by VISA is a service that provides you with extra security by reducing the chance of fraud for online purchases and other transactions. It offers zero-liability protection against unauthorized use of your card. Just notify us promptly at 1-800-239-9427, if your card is lost or stolen.
Verified by Visa is a free service. As a registered cardholder, you can take advantage of special offers and discounts at participating online stores.
To enroll, go to the VISA website. You may also have the opportunity to enroll in the Verified by VISA program when shopping online with participating merchants. You can choose to opt-out of enrollment four times during a shopping session. After you have exceeded the four opt-outs, you will be required to enroll during the next online purchase. During the enrollment process, you will be asked for your card PIN.
No. Merchants only see whether or not the transaction is approved, never any specific account information.