Do you want to know more about membership, or a product or service? Please select from the categories below to find answers to many commonly asked questions.
Our Mastercard does not have an annual fee, a balance transfer fee, a cash advance fee or a late payment fee. There is a small fee related to foreign transactions.
Your card has a personal identification number (PIN) in order to provide you with enhanced security features. By entering your PIN, you are validating that you are the authorized user of the card.
Yes, all cardholders can select their own PIN. The primary cardholder's information is used to authenticate the caller. You will identify which cardholder you are by entering your first name into the telephone keypad. You will then be prompted to select your unique PIN. If you do not know the primary cardholder's date of birth (mm/yy), zip code or 3-digit security code, the system will be unable to authenticate the caller and will not transfer you to a representative due to security reasons. You will need to call back once you have the required information in hand.
To change your PIN, please call 888-886-0083. Be prepared with the primary cardholder's date of birth (mm/yy), zip code, and 3-digit security code from the back signature panel of the card. We encourage you to change the PIN to something easy to remember but difficult for others to identify.
APCI eCard gives the APCI FCU debit and/or credit cardholder the ability to view their transaction activity, submit a travel notification, or status their card locked or unlocked. A credit cardholder can also make a payment and view their payment history.
If you are unsure, the safest approach is to call the customer service number on the back of your card. This team of representatives is available 24/7 for your convenience. You may also contact the Credit Union office during normal business hours to verify your information. Keep in mind these few points when answering or returning such a call:
A legitimate fraud representative will never ask for your social security number or your full credit card account number.
You may also go online to your account and check for any recent unusual activity.
No, our Mastercard® Credit Cards and Visa® Debit Cards are contact smart cards that require you to insert the card for identification purposes. The chip must make contact with the card reader to retrieve personal information and make secure payments. Therefore, our cards cannot be scanned from a distance. This feature makes it more difficult for fraud to occur.
Contactless payment systems are credit and debit cards, key fobs, smart cards or other devices that use radio-frequency identification for making secure payments. The embedded chip and antenna enable a consumer to wave their card or fob over a card reader at the point of sale. APCI FCU does not utilize this type of card technology which is capable of being scanned from a certain distance.
If your card is expiring soon, you can expect to receive a new card by the third week of the month that it expires. Your current card is valid through the last day of the month that it expires.
Mastercard Consumer Alerts are custom account notifications which are available electronically by text or email when certain events occur within your Mastercard account. These alerts help to protect you from fraud by putting you in control of your account information.
Yes. Mastercard and Visa have required US issuers to participate in its account updater services – Mastercard Automatic Billing Updater (MABU) and Visa Account Updater (VAU).
No. Merchants are not required to participate in this service. Because of this, it is recommended that cardholders continue to contact all merchants that they have recurring payments established with when card information changes.
If you have recurring payments set up with a specific merchant(s) on an account and the account information changes due to a card reissue, or lost card, those recurring transactions will not continue to process as normal. You will need to provide each merchant with your updated account information.
The file is sent nightly; however, how quickly a merchant receives the updated account information depends on how quickly the merchant updates their records.