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General Electric Credit Union

Debit Card Reissue

Our switch from Mastercard® debit and ATM cards to Visa® debit cards is taking place this month!

What does this mean?

  • If you open a checking or savings account and request a debit or ATM card, on or after October 1st, you will receive a Visa debit card for your account.
    • Note: You may experience a slight delay in receiving your new debit card as we transition from Mastercard to Visa.
  • All current Mastercard debit and ATM cardholders will receive new Visa debit cards in the mail by mid-October. There are a few important details to note about your reissued card:
    • Personal Identification Number (PIN). Your PIN will not change.
    • Activate your new card and destroy your old card. As soon as you receive your new Visa debit card, activate it and shred or destroy your old Mastercard debit card or ATM card right away for your protection.
    • Card Information. Your card number, expiration date, and CVV (3-digit code on the back) will change.
    • Starting mid-October, update your card information in your favorite wallet app, such as: Apple Pay®, Google Pay™, and Samsung Pay™.
  • Once you receive and activate your new Visa debit card, you will have access to Card Controls! Managed through Online Banking and our mobile app, you can use instantly control when, where, and how your card is used. 

Important Note for our Savings and Money Market Accountholders

In addition to using our 57,500+ completely free in-network ATMs, you will be able to use your new card at merchants and retailers, including: gas stations, grocery stores, and restaurants. Since this card is tied to your savings account, you will be limited to a maximum of six (6) transfers per month.1


FAQs

When will the switch to Visa take place?
We will begin issuing Visa cards in October; you should receive a Visa debit card in the mail by the end of October. 
Why are you switching from Mastercard to Visa?
By switching our debit cards from Mastercard to Visa, you will experience consistency across all card types, credit and debit. For example, if you have a GECU checking account with a debit card and a GECU credit card you will now have a Visa card for both the debit and credit card.
Will I receive a new card?
Yes, you will receive a new card, and it will have a new: card number, expiration date, and CVV Code (the 3-digit code on the back). Once you receive your new card, activate it right away. If your card is on file with a merchant (e.g. gym membership, Netflix, etc.), you will need to provide your new card information.
When will I receive my new card?
Your new card will arrive in October. Please contact Member Services if you don't receive your card by November 1st. Cards are being mailed in waves; because of this, it is possible that you and a joint accountholder could receive your cards at different times.
I opened a new checking or savings account after October 1st, when will I receive a debit card for my account?
All cards requested on or after October 1st will receive a Visa debit card, however, you may experience a slight delay in receiving your card as we transition from Mastercard to Visa.
How do I activate my new card?
Once you receive your new card, you can activate it by calling the phone number on the activation sticker on the card. Once your new card is activated, shred or destroy your Mastercard for your protection.
Will my checking account number change?
No. Your checking account number and features will all remain the same.
Will I need to change my PIN number?
No. Your PIN number will remain the same.
Will my old card stop working?
Mastercard debit cards will be automatically deactivated (the date for deactivation has yet to be determined).
How long will my old card continue to work?
Until all Mastercard debit cards are automatically deactivated (the date for deactivation has yet to be determined). We recommend activating your new card as soon as you receive it so you don’t misplace it and shredding your Mastercard for your protection.
What should I do with my old card after I activate the new one?
Once your new card has been activated, immediately shred or destroy the Mastercard debit card for your protection.
Will I need to re-add my new card to my digital wallets, such as: Apple Pay®, Google Pay™, Samsung Pay™?
Yes, once you receive your new card, add it to your preferred digital wallet(s) right away. You’ll want to delete the old card from your wallet, as well.
Will there be a time I can’t use my card?
Your old card will continue to work until it is deactivated (the date for deactivation has yet to be determined). You will not experience any interruption in service.
Will my new card look different?
Yes! Your new card will have a new design with a Visa logo.
Will my debit card number change?
Yes, your debit card number, expiration date, and CVV code (three-digit number on the back of the card) will change. Once you receive and activate your new card, if you have your card on file with anyone (gym, Netflix, Amazon, etc.), you will need to update them with your new card information. 
Will I need to change my recurring payments where my card is stored on file?
Yes. Once you receive your new card, notify merchants where your account is saved on file such as: utility providers, health clubs, or online shopping retailers and provide them with your new card information.
Can I do anything to prepare for this?
Think about where you may have your card on file with a merchant/provider. For example, does your card get charged monthly for: Netflix, a membership, when purchasing items through Amazon, etc.? If so, make a list and once you receive and activate your new card, use it to more easily update the card account information on file with these merchants.
My card expired in August or September and I already received a new one, will I get another card in October?
Yes. All cards are being reissued, even if you recently received a new card and regardless of your card’s expiration date because of the change from Mastercard to Visa.
My card expires in October. Will I get two cards in one month?
Yes. All cards are being reissued, even if you recently received a new card and regardless of your card’s expiration date because of the change from Mastercard to Visa.
Will I need to re-enroll for Purchase Rewards?
No. As Purchase Rewards is a checking account feature, it will continue to work as before.
Will I need to re-enroll in the Round-Up Program?
No. As the Round-Up program is a checking account feature, it will continue to work as before.
I have a savings or money market account with an ATM card, why am I being switched to a debit card?
The debit card uses EMV chip technology, which provides greater fraud protection than the current ATM card's magnetic stripe. Across the industry, magnetic stripes are being phased out due to their susceptibility to fraud. 
I have an ATM card, but I don’t want a debit card for my savings or money market account, what can I do?
Across the industry, ATM cards are becoming less common. The new debit card will have the same functions as your current ATM card, but with the added security of the EMV chip technology, meaning the card is more secure than the former ATM card. Additionally, the new Visa debit card comes with Card Controls, which can be used through Online Banking and our mobile app to turn your card on/off at specified merchants. 
I have a savings or money market account, why am I limited to six transactions with my new debit card?
  • The limit of six transactions is due to Regulation D. This regulation was established by the Federal Reserve Board to prevent consumers from using interest-bearing accounts as transactional or checking accounts. The basic rule limits the number of electronic transfers or checks to a combined maximum of six (6) transfers per calendar month or statement cycle from a savings or money market account. General Electric Credit Union (GECU) monitors Regulation D violations on statement cycles.
  • If you’d like the ability to make more than six transactions per statement cycle, we offer Simply Free Checking, a free option that allows you 24/7, unlimited access to your funds. For information about our checking accounts, visit: gecreditunion.org/checking.
I have an ATM card and a debit card. Will I receive more than one debit card in the mail?
  • Yes. If you currently have multiple debit and ATM cards, you will receive multiple new Visa debit cards to replace them. On the letter attached to your card, you will see the last 6 digits of your account number. This will help identify which card goes with which account.
  • Note: As cards are being mailed in waves, you may not receive all your replacement cards at the same time.

 

 

1During any calendar month you may not make more than six (6) withdrawals or transfers to your other Credit Union accounts or to a third party by means of Online Banking transfer or other pre-authorized electronic funds transfer, automatic transfer, overdraft protection transfer, telephone order or instruction, request transmitted via facsimile machine, or transfer initiated through our audio response service (Sourceline)


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