Exciting Update Regarding Your Debit and Credit Cards!
Beginning February 28, 2026, we will be reissuing all member debit and credit cards to comply with a new VISA mandate. This industry-wide change is necessary to ensure continued compatibility with payment networks.
This transition is an important step toward implementing enhanced features you’ve been requesting, including Contactless Payment Technology and Mobile Wallet Capabilities (such as Apple Pay, Google Pay, and Samsung Pay). While these features will not be available immediately, this card reissue is essential groundwork that will enable us to offer these modern and secure payment options in the coming months.
New Card Functionality Coming Soon!
Contactless Payment Technology
Mobile Wallet Capabilities
Your New Card(s) Will Arrive in March
We understand that changing card numbers can be inconvenient, and we sincerely appreciate your patience during this transition. This change positions us to better serve you with the payment technology and security you expect and deserve.
If you have any questions or concerns, please don’t hesitate to contact us at 218-279-3200.
Thank you for your continued membership and understanding.
Frequently Asked Questions - Debit and Credit Reissue
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Why are we reissuing cards?
We’re transitioning from 6-digit to 8-digit Bank Identification Numbers (BINs) to comply with a VISA mandate. This upgrade is necessary to support more modern and secure payment options, including contactless payments and mobile wallet functionality like Apple Pay, Google Pay, and Samsung Pay.
When will I receive my new card(s)?
New cards will be issued on February 28th, 2026, and you should expect to receive them within 7-10 business days.
When will the old cards stop working?
Current cards will deactivate on March 31, 2026. This gives you about a month to receive your new card(s) and update any automatic payments or recurring transactions.
Is there any cost for the new card(s)?
No, there is no fee for the card reissue.
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What is a BIN?
BIN stands for Bank Identification Number. It’s the first series of digits on a payment card that identifies the issuing institution and card network.
Why is the 8-digit BIN more secure than the 6-digit BIN?
The 8-digit BIN provides enhanced security in several ways:
- Increased capacity: The expanded numbering system allows for better identification and routing of transactions, reducing errors and potential fraud vulnerabilities.
- Enhanced fraud detection: More digits provide card networks and issuers with additional data points to detect and prevent fraudulent transactions in real-time.
- Future-proof technology: The 8-digit BIN supports advanced security features required for contactless payments, tokenization (used in mobile wallets), and emerging payment technologies.
- Better transaction monitoring: The additional digits enable more sophisticated authentication and monitoring systems that help protect cardholder information.
Will my card number change?
Yes, you will receive a new card number that begins with an 8-digit BIN. The card will also have a new CVV security code and expiration date.
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Do I need to activate the new card(s)?
Yes, you will need to activate your new card(s) upon receipt following the instructions included with the card.
Can I use my card(s) until I receive the new ones?
Yes, existing cards will continue to work until March 31st, 2026, giving you time to receive and activate your new card(s).
What happens if I have not received my new card(s) by March 31st?
Contact us immediately if you have not received your card(s) by mid-March. We can verify the mailing address, check delivery status, and expedite or instant issue a replacement if necessary to ensure you have a working card before the March 31st deactivation date.
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What should I do about automatic payments?
You’ll need to update your card information with any merchants or service providers that have your card on file for recurring payments. This includes:
- Subscription services (streaming, software, memberships)
- Utility bills
- Insurance payments
- Online retailers
- Gym memberships
- Any other automatic or recurring charges
What happens if I forget to update a merchant?
Beginning April 1st, 2026, any attempted charges to the old card(s) will be declined. You may incur late fees or service interruptions if you don’t update your information in time. We encourage you to update all automatic payments as soon as you receive your new card(s).
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What if I am traveling when the card(s) are mailed?
If you will be traveling during this time, contact us to:
- Update your mailing address temporarily or if you’ll be away for an extended period
- Discuss options for ensuring you have access to your account while traveling
What about joint account holders or authorized users?
All cardholders on an account, including joint owners and authorized users, will receive new cards and will need to activate them individually.
What if I use Card Nav?
You will need to enroll your new card in the Card Nav app. To enroll a card:
- Log into the Card Nav app
- Navigate to the menu options (three lines in the upper-right hand corner)
- Select Manage Portfolio
- Select Add Card
- Follow the remaining prompts to enter and save applicable card information
Will my credit card reward points be impacted?
Reward points will not be impacted; however, you will need to enroll your new card number by taking the following steps:
- Visit the Dream Points website at https://www.dreampoints.com/nccyou/
- Select Sign In
- Select the “Not Registered? Sign up now” link
- Follow the remaining prompts to enter and save applicable card information
Where can I get help if I have questions?
You can:
- Call our main line (218) 279-3200 or 1-877-419-3200
- Visit any branch location
- Use our online chat or text support
