Why is the bank switching from MasterCard to VISA?
We’re upgrading our service to offer VISA Debit with tap-to-pay feature. This expands how you can use your card. Better still, the tap-to-pay feature is more secure than swiping.
What do I do if I haven’t received my card in the mail?
Call the bank for help. If your card was mailed in this program, we’ll verify that for you while you wait for delivery. If it’s been mailed, we recommend you wait. However, if you need it urgently for travel, we can provide you a card at the bank through our instant-issue service and cancel your pre-ordered card.
I have some bills that are paid automatically from my debit card. Will this be affected?
Yes. You will need to be proactive and create a list of automatic payments coming from your debit card. In our letter sent to your home, we’ve provided a list of the top 20 payment types that most customers automate. That list might help you double-check yourself as you contact your utilities or vendors who are paid automatically.
I have a business account at FNBT. Will my experience be different from regular consumer accounts?
No. If you receive a new VISA Debit card from FNBT, follow the guidelines in the letter you receive or on the card to activate and begin using your new card!
My old card was a Team Spirit Card and my new card is something else. How can I get the Team Spirit Card back?
Our reissue plan should have provided you the same Team Spirit Card image. If not, please visit the bank. We can provide you the right card using our instant-issue service at no charge to you.
Why doesn’t the tap-to-pay feature work at every merchant?
Not all merchants are set up for tap-to-pay. You’ll be able to see by looking at the terminal if it allows contactless payments as an option. The popularity of tap-to-pay is increasing.
Is the 16-digit number on my card changing?
Yes. This improves security, and your number will always change with an upgrade or replacement. This requires action by you, because your automated payments will need to be updated.
Will I be charged a fee for my new card?
No, your new VISA Tap-to-Pay replacement card that we send to your home will not cost extra. But as always, if your card is lost or stolen, and you need a replacement, the fee is $7.50 for that.
I use UltimateID+ to protect my identity. Will my new VISA debit card work with that?
Yes. Be sure to log into your UltimateID+ account and update your debit card information.
What if the tap-to-pay feature doesn’t work, and I’m standing in a restaurant or store? Can I still insert the card?
Yes. You can still insert the card into the terminal reader if tap-to-pay isn’t working. And, for some older machines, you can still swipe the card on a terminal that will read the magnetic stripe on the back. Your new VISA card offers three ways to pay, but the tap-to-pay feature is recommended where accepted because it’s the safest.
Can I use tap-to-pay at ATMs?
Yes, you can at some ATMs, but not all of them accept that feature. If you don’t see the tap-to-pay symbol with four little stripes, then insert your card as usual.
What is “tap-to-pay” and why should I use it?
Clever thieves devise new ways to steal information (and your cash!), so the bank is always looking for smarter ways to protect you. When you use the tap-to-pay method, you are transmitting to the merchant terminal in front of you only an electronic token for payment. The data transmitted does not include your VISA card number or any of your customer information. This improves your data security.
I got my new card but I am unable to get it into my Apple Wallet. What do I do?
Hang tight. We’re working with our vendor partners to get Apple Wallet (and GooglePay) enabled for your new Visa card. We’re in testing, and we expect to turn on that service very soon. [Subject to change.]
I am able to make purchases with my card but SecurLock Equip is not working. What do I do?
We’re working with SecurLOCK Equip to enable your new VISA card in early February. [Subject to change.]
I’ve had my new card working for a while now but my video streaming service ended. What happened?
You’ll want to double check that you added your new VISA debit card to the automatic payment information with your streaming service.
My Amazon purchases keep getting declined. What am I doing wrong?
You’ll want to make sure you added your new card to your Amazon account and that all of the right information matches the new card.
I’ve called the 1-800 number on the card, and I can’t seem to get it activated. What am I doing wrong?
To activate your new VISA card, you must be calling from the phone number tied to your bank account. If you’re having trouble, call the bank. A MultiBanker can also help you activate your card without calling the 1-800 number. We’re here to help.
What if my MasterCard debit card expires?
Nothing changes. Call the bank and order a new one. There is no fee to replace an expired card. We’ll make your new card a VISA Debit card if possible during this transition period.
What’s the deadline for switching to VISA? Can I stick with my MasterCard if I prefer it?
Your MasterCard debit card provided by FNBT will expire March 31. We are sunsetting this program in order to provide VISA Debit to our customers. We’re doing this to improve security. We believe strongly in advancing our services as technology improves.
Besides the VISA logo on the card, what else changes? Terms? Fees?
No other changes. FNBT has elected to switch in order to improve services to you. That’s the bottom line. We’re always looking for ways to improve data security. We apologize for any inconvenience this change causes, but we believe it will be worth the effort. Your VISA Debit card will be accepted at just as many merchants as before.