Will my card number be changing?
Card number will remain the same, but the expiration date and CVV will be different
Will my current non-tap card continue to work?
Your current card will continue to work until your new tap card has been activated.
When will I get a tap card?
Cards will be mailed out in the month of May
Will spirit cards be updated to tap cards?
Yes, but at a later date. We are actively working to bring tap capabilities to spirit cards.
Will business debit cards be tap cards, too?
Yes, business cards will also be issued in May.
How do I add my new tap card to mobile wallets and Apple pay and Venmo?
For Venmo or any person-to-person apps, you simply need to update your card information in payment settings. For Apple and Google Pay, you can conveniently activate those for your new card through the Card Controls service in our digital banking platform.
Why am I getting a new tap card?
The quality and functionality of our current EMV chip technology approached end of life, so in response we’ve elected to enhance our debit cards and provide you with a better; more modern experience.
How do I use a tap card?
Look for a contactless/tap logo at the payment terminal to show where to tap your card, specifically the chip. If the merchant doesn’t have tap payment enabled, your card still has a functional EMV chip or magnetic stripe to process your transaction.
Card Replacement & Timing
Will my card number be changing? No
Will my current non-tap card continue to work? Yes
When will I receive my new tap card? Some time in the month of May
Do I need to request a new card, or will it be sent automatically? Cards will be automatically reissued
What should I do when I receive my new card? Activate it by calling the activation number on the sticker or through Card Controls in our digital banking platform
When should I activate my new card? Within 60 days of receiving it
What happens if I don’t activate my new card? Your non-tap card will continue to work, but after 60 days you will require branch assistance in order to get your new card activated
What should I do with my old card after I receive the new one? (destroy/shred guidance) Cut through the mag stripe and chip and then throw away, or bring to one of our branch locations for secure destruction.
Card Types & Eligibility
Will Spirit Cards be updated to tap cards? We are actively working to bring tap functionality to our spirit cards products, but do not have a definitive date set currently
Will business debit cards also be issued as tap cards? Yes
Will all customers receive a tap card, or only certain accounts? Our default consumer and business cards will receive new tap cards in May
Will ATM-only cards or HSA cards be updated? (if applicable) Any default consumer image cards tied to an HSA account will be reissued
How Tap-to-Pay Works
What is a tap card? It is an EMV chip card with the chip being enhanced to process transactions in close proximity to card terminals without directly physically interacting with it
How do I use tap-to-pay? At your payment terminal look for a contactless/tap logo and tap your card to the screen, specifically the chip.
Where can I use my tap card? Look for a contactless/tap logo at the payment terminal to show where to tap your card, specifically the chip. If the merchant doesn’t have tap payment enabled, your card still has a functional EMV chip or magnetic stripe to process your transaction.
Do I still have to insert or swipe my card sometimes? Yes if the merchant doesn’t have tap payment enabled
Is there a limit on tap transactions? No
Do I need to enter my PIN when using tap? If PIN is requested by the merchant then it may, but you can often bypass a PIN and run the transaction as credit if you prefer
Mobile Wallets & Digital Payments
How do I add my new tap card to Apple Pay, Google Pay, or Samsung Pay? For mobile payment applications, you can conveniently activate those for your new card through the Card Controls service in our digital banking platform. Alternatively, you can also request a new token provisioning through the mobile payment application directly, but that may require a call to the bank as a verification measure.
Can I still use Venmo, PayPal, Cash App, etc. with my new card? Yes, but it is recommended to ensure the card information is up to date on your apps.
Will recurring payments (subscriptions, bills) be affected? Any subscriptions tied to your debit card will continue to process, but for the sake of diligence we do recommend taking the opportunity to update your payment information with the new expiration and CVV.
Security & Fraud
Is tap-to-pay safe? Yes, it is still EMV chip security but with the ease of access through close proximity to terminals
How does tap-to-pay protect my information? The necessary payment information is stored within the chip technology, rather than communicating with external sources. As a result there is a single place for the information to be stored and potentially discovered, as opposed to multiple locations like mag stripe technology requires.
What happens if my card is lost or stolen? Lost or stolen debit cards should be reported to the bank in order to ensure no additional transactions can be attempted. Call 217-228-8000 during business hours or 877-228-8001 after hours. A fee for replacement may apply.
Can someone accidentally charge my card just by being near me? It is possible, but unlikely. Tap works by emitting a wifi-like signal from the chip, which only works from a 2-inch radius.
Will I still receive fraud alerts? Yes, standard fraud alerts will apply.
Can I turn my card on/off or manage it through digital banking? Yes, all features in Card Controls will continue to function.
Usage & Account Impact
Why am I receiving a new tap card? Our current chip technology was reaching end of life, and as a result was less functional than our valued customers deserve. In response, we’ve enabled this enhanced card product and provided it to all current card users.
Will my PIN stay the same? Yes, if PIN is already set then it will remain the same.
Will my account number change? No
Will my daily limits change? No
Will my card expiration date change? Yes, as well as the CVV on the back
Will there be any interruption to my card usage? No
Troubleshooting
What should I do if my tap card doesn’t work? If tap for any reason doesn’t work, the card also has an EMV chip and magnetic stripe to process transactions. If none of those transaction methods work, please reach out to the bank at www.FirstBankers.com/contact-us
What if a store doesn’t accept tap? The card also has an EMV chip and magnetic stripe to process transactions.
Who should I contact if I have questions or issues? Contact the bank at www.FirstBankers.com/contact-us
What if I haven’t received my new card yet? Contact the bank atwww.FirstBankers.com/contact-us