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NEW EMV CHIP CREDIT CARD! with ENHANCED SYSTEM TECHNOLOGY

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NEW EMV CHIP CREDIT CARD! with ENHANCED SYSTEM TECHNOLOGY Introducing the NEW EMV CHIP CREDIT CARD! with ENHANCED SYSTEM TECHNOLOGY BETTER SECURITY PROTECTION NEW CHIP TECHNOLOGY MORE COMPATIBLE ON-LINE ACCESS What will change? What will you need to do? CARD DESIGN USE EXISTING VISA UNTIL INSTRUCTED AS TO CREDIT CARD ACCOUNT NUMBER ACTIVATION DATE FOR NEW CHIP CARD EXPIRATION DATE WHEN YOU RECEIVE YOUR CARD, LOOK FOR PASSWORD INSTRUCTIONS ON WHEN TO ACTIVATE PIN (PERSONAL IDENTIFICATION NUMBER) UPDATE NEW CHIP ACCOUNT NUMBER ONLINE ACCESS WITH MERCHANTS THAT YOU MAKE YOUR CURRENT VISA WILL SWITCH AUTOMATIC OR RECURRING PAYMENTS TO TO MASTERCARD AS SOON AS YOU RECEIVE YOUR NEW CARD Towpath Credit Union is always working to keep our members at the forefront of nancial technology. While the new cards may look slightly different - at text, chip on the card, Mastercard vs Visa - your card functions the same as always. Your new chip card can be swiped if the merchant isn’t updated to this new technology. Please call us with any questions regarding this exciting new program! 330.664.4700 Frequently Asked Questions (FAQ) about your New Towpath Credit Union Credit Card Program If you have other questions or would like additional information on any of the points covered in this FAQ, contact our credit card department at 330.664.4700 What will change? [A] Starting August 29, 2016, a credit card processor transition will change your Towpath Credit Union plastic, statement, and the way you access your Towpath Credit Union credit card information online. You will also enjoy the benefits of a new Rewards program. Why the change? [A] Towpath Credit Union is transitioning to a new credit card processing system administered by The Members Group (TMG) to provide our members access to new and innovative credit card product offerings, 24-hour member service phone support staff, and state-of-the-art secu- rity features that further protect your accounts. Who is TMG? [A] TMG is a Des Moines, Iowa-based company which is jointly owned by Iowa credit unions. Because TMG provides card service for hundreds of credit unions across the nation, their processing systems and support staff are among the finest in the industry. Can I still contact Towpath Credit Union with credit card questions? [A] You are always welcome to contact Towpath Credit Union; however, we encourage you to contact TMG’s 24-hour call center at 800-234- 5354. TMG has direct access to the necessary systems to provide you with fast, accurate service. We have partnered with TMG as they share our commitment to high-quality member service. Will my credit card rate or terms and conditions change? Your annual percentage rate (APR) for purchases and cash advances will not change at that time. Payment Due Dates will not change. Single Sign-on access directly through your WebDirect account No Annual Fee No Balance Transfer Fees No Cash Advance Fees Late Payment fee - $30.00 Returned Check Fee - $30.00 Rush Fees 2 Day - $10.00 Rush Fees 1 Day - $20.00 How do I update my billing address and phone number? [A] Notify Towpath Credit Union of any changes to your address or phone number so that we may correct the information on all of your Tow- path Credit Union accounts, including your MasterCard account(s). Can I use my Towpath Credit Union MasterCard card for a cash advance? [A] Yes. You can use your Towpath Credit Union MasterCard card for a cash advance by visiting a Towpath Credit Union branch or by utilizing an ATM. Transactions conducted at an ATM require a PIN (personal identification number). To select and receive your PIN, on or after August 29th, call 888.891.2435. How do I access my MasterCard account online? [A] In order to access your MasterCard account online: Visit the secure website, towpathcu.com, log into Extreme Green Online Access, click on your Credit Card account, and then click on the “Access MyCardInfo” button. You will enter the Account Overview screen. Can I receive my MasterCard statement by e-mail with this change? [A] Yes. The e-mail that you receive will be a notice that your statement is available. You will then be able to go to towpathcu.com, log into your Extreme Green account, and follow the steps above. To view your statements, click on “Statement History” from the top navigational menu. How do I dispute a merchant charge? [A] To dispute a charge on your statement, submit the request in writing to: Cards Risk, PO BOX 10409, Des Moines, IA 50306 or e-mail to [email protected]. You may also log into Extreme Green Online Access and then click on the “Access MyCardInfo” button. Locate and click “Online Assistance” to receive fraud and dispute information submission details. How can I apply for credit increases? [A] Contact Towpath Credit Union at 330.664.4700, or visit any Towpath Credit Union branch location. When will my payment be due? [A] Your payment due date is the 4th of each month. We suggest making your payment a few days prior to the due date. If mailing your pay- ment, please allow extra time for the payment to reach the payment center in Des Moines, Iowa. How can I get a replacement card? [A] Replacement cards can be obtained by contacting either TMG at 800-234-5354 or Towpath Credit Union at 330.664.4700. Can I still make my MasterCard payment at Towpath Credit Union? [A] Yes. Payments can be made at any Towpath Credit Union location. However, if you prefer to mail your payment, the address will change to: MasterCard PO BOX 10309 Des Moines, IA 50037-0035* *Payments received at the mailing address will be credited to your account as of the day of receipt. Will my automatic MasterCard payment change? [A] No. If you have an automatic payment set up it will automatically be transferred to the new processor. Will I still be able to make MasterCard payments online? [A] Yes. However, since your payments will be processed by TMG beginning August 27, 2016, the process you use to make online payments will change. To make a MasterCard payment via an online banking transfer, log into Towpath Credit Union Extreme Green Online Access, and then click on the “Access MyCardInfo” button. How will my Towpath Credit Union MasterCard statement change? [A] Beginning in September, 2016, your Towpath Credit Union MasterCard statement will be modified to include several new features to help you better understand your card activity. The statement will be customized to your account in an easy-to-read format. Will I still be able to view my Towpath Credit Union MasterCard information through the EZCardinfo link? [A] No. Beginning August 29, 2016, you will access your Towpath Credit Union MasterCard card information by logging into Towpath Credit Union Extrenme Green Online Access, clicking on your Credit Card account, and then clicking on the “Access MyCardInfo” button. What additional features are available online? [A] In addition to viewing statement history, you can view current balance information, payment information, and current and historical transaction activity; make a payment and view payment history; find contact information; and download account transactions into multiple formats. Will there be a Rewards program? [A] Yes. Announcing our new Choice Rewards Program! Earn points just for using your card. You can redeem those points for a wide variety of great rewards. There’s nothing special to do . just use your card to make purchases. Each month, your statement will reflect points earned and total points accumulated. You’ll earn one point for each dollar of purchase. To view a current list of rewards and the point values, or to redeem points for rewards, simply access your account through your WebDirect login, click on your Credit Card account, and then click on the “Access MyCardInfo” button. You will still be able to enjoy Travel and Merchandise rewards along with Event Tickets, Gift Cards, Account Credits and more! What will happen to my unused points? [A] We will be awarding your unused points to the new program..
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