Exciting Changes With Rewards

Platinum and Signature Visa Credit CardsAPCO Employees Credit Union is excited to announce improvements to our credit card program, including enhanced rewards options, a new online site to view your account, a new credit card design, instant card re-issue, and electronic statement availability. This will mean a few changes to your account, and we want to make sure you know exactly what’s happening.


KEY DATES

June 29, 2020 – New APCO Employees Credit Union credit card mailed.

July 9, 2020 – Last day to access your credit card account through eZCardinfo.com.

July 10, 2020 – Last day to earn 1% Cash Back using your Visa® Power Card.

July 11, 2020 – New rewards program begins with uChoose Rewards® earning 1.75%.

July 13, 2020 – Old credit card becomes inactive at 5:45 a.m. CST.

July 13, 2020 – Activate your new card starting at 5:45 a.m. CST using the last four digits of your Social Security Number.

August 31, 2020 – Cash back earned from August 1, 2019 – July 10, 2020 will be deposited in your Credit Union Savings Account by August 31, 2020.


Your new Visa Rewards credit card will come with the following new features:

Enhanced Rewards: Every time you make a purchase with your card, you’ll earn 1.75% on every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers.

24/7 Cardholder Service: Call 888-999-0127 for Visa Platinum balance inquiries, payment information, transaction history, statement requests or to dispute a charge, inside the U.S. For international service, please call 531-233-6346. Call 888-999-1136 for Visa Signature balance inquiries, payment information, transaction history, statement requests or to dispute a charge, inside the U.S. For international service, please call 531-233-6364.

eCS Customer Service: eCS will replace eZCardinfo. It will offer real-time credit card information, including transactions, pending activity, payment information and custom email alerts. Plus, you are able to sign up for electronic statements when you log into your account through your Credit Union’s online banking at apcocu.org.

What to know:

Your new card will be mailed on June 29, 2020. Please wait 7-10 business days for delivery.

New cards will be mailed to all cardholders, regardless if they are primary or secondary cardholders.

Your credit card number and your expiration date will change.

For security reasons, each secondary cardholder will have a new individual card number, CVV number, and expiration date.

If you plan to use your card at any ATM or for a cash advance, you will be required to use a PIN. You can select your unique PIN during the activation of the card or call at a later time to select your PIN.

If you have automatic payments made with your current credit card, make sure to contact each vendor with your new updated credit card number to help avoid any interruption in your service.

For your convenience we have included frequently asked questions. If you have any additional questions or inquiries, please call us at 205-226-6800 or 1-800-249-2726.

New Rewards Program:

Your new Visa Rewards credit card will come with uChoose Rewards. uChoose Rewards will allow you to redeem points on your credit card purchases to use toward shopping, travel, event tickets, gift cards and more. Some important information about the transition of the rewards program:

1% cash back will no longer be earned after July 10, 2020.

You may start earning points with your new credit card starting July 13, 2020. Please note: Any transaction made with your Visa Power Card between July 11, 2020 and July 13, 2020 will earn rewards through uChoose Rewards.

Any cash back earned on your Visa Power Card from August 1, 2019 through July 10, 2020 will be deposited in your Credit Union Savings Account by August 31, 2020.

To register your card or to monitor and redeem your uChoose Rewards points, visit uchooserewards.com or click the eCS and uChoose Rewards link inside of your Credit Union’s online banking.


Look for a letter in an envelope like one of these to arrive in your mail soon:

APCOECU Visa Platinum LetterAPCOECU Visa Signature LetterAPCOECU Visa Envelope

 


When your new Visa card arrives, it will be attached to a letter like this:

APCOECU Visa Platinum card attachedAPCOECU Visa Signature card attached

 

 

 

 

 

 

 

 


New Visa Terms-- APR for Purchases 10.00% variable

 

If you do not have a Visa Rewards Card, click here for information and an application.

 


FREQUENTLY ASKED QUESTIONS

Why am I receiving a new credit card?
APCO Employees Credit Union is changing its credit card processor to better serve your credit card needs. This change requires that a new card be issued.

Will my interest rate change as part of this conversion and card issue?
Yes! Your current rate is 10.9% fixed APR. The new variable APR for purchases and existing balances is being lowered to 10.0%. If you opt-out, you may pay off your credit card balance under the existing terms. However, if you opt-out you will not be able to use the account for new transactions. By using the new card, you agree to the APCO Employees Credit Union Credit Card Change in Terms.

Will I have a new PIN number so I can access cash from my credit card?
You will no longer receive a PIN in the mail, and your old PIN will not work with the new card. You can select your unique PIN by calling the number on the activation label and choosing the PIN option.

My existing card does not expire for quite a while; can I continue using my existing card until expiration?
No. Your existing card will not work after at 5:45 a.m. CST on July 13, 2020. Instructions will come with your new card to ensure it is ready to use on or after July 13, 2020.

What is EMV?
EMV stands for Europay, Mastercard® and Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. This smart chip technology features credit cards with embedded chips that will help increase security and reduce fraud. This standard has many names worldwide and may also be referred to as: “chip and signature.”

Will all merchants be able to accept my EMV (chip) credit card?
Yes. Your card may be used everywhere Visa is accepted.

My spouse and I both have APCO Employees Credit Union credit cards, and I only received one card. Will my spouse receive a card?
Yes. As a security feature, all cards being issued with this conversion will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.

What do I need to do if I have preauthorized or recurring payments that are tied to my existing APCO Employees Credit Union credit card?
To ensure there is no interruption in recurring or preauthorized payments (utility companies, gym memberships, Netflix, iTunes, Apple Pay, Samsung Pay, Google Pay, etc.), contact the merchant on or after July 13, 2020 with your new card number and expiration date.

Will the due date for my credit card payment change?
No. Your due date will stay the same.

Will I need to send my payment to a new location after the conversion?
No. You may continue sending your payment to APCO Employees Credit Union at PO Box 2288, Birmingham, AL 35201.

I setup my monthly credit card payment as an automatic ACH transfer, payroll deduction or as a recurring transfer. Do I have to make any changes?
To ensure there is no interruption in automated payments, contact the provider of this service (i.e., another bank or bill pay service) on or after July 13, 2020 and provide your new card number and verify the payment address of PO Box 2288 Birmingham, AL 35201. You may set up payments through eCS Customer Service to replace previous payments being made through eZCardinfo.com.

Will my previous card history transfer to my new card number so I have access to the information if needed?
The last day to access your current credit card account through eZCardinfo.com will be July 9, 2020. Be sure to download eStatements you would like to save prior to this date.

What is uChoose Rewards?
uChoose Rewards is a program that earns you points for using your APCO Employees Credit Union credit card. All APCO Employees Credit Union Visa credit cards with rewards are automatically enrolled in the program.

Do I need to register my credit card before I can start earning points?
No, you will start earning points the first time you make a transaction with your new credit card; however, you will need to register your card before you will be able to redeem your points. To register your card, visit uchooserewards.com and click the Register link, or click the eCS and uChoose Rewards link inside of your Credit Union’s online banking.

How do I register my card?
Please visit uchooserewards.com starting on July 13, 2020. On the right side, you will see “New to uChoose Rewards?” with a Register link. Click Register, and then enter your card number. Once your card is authenticated, it will ask to establish your username and password. Follow the instructions as provided. You may also click the eCS and uChoose Rewards link inside of your Credit Union’s online banking.

How do I start earning points?
Every time you make a purchase with your card, you’ll earn 1.75% on every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers. Rewards do not apply for cash advances or balance transfers.

Where can I earn points?
You earn points everywhere your APCO Employees Credit Union Visa credit card is accepted. Participating retailers offer additional reward points for purchases made at their stores or online. A list of participating retailers can be found at uchooserewards.com.

Where can I view my point activity?
You can access the history of your point activity through uchooserewards.com. You may also log-in by clicking the eCS and uChoose Rewards link inside your Credit Union’s online banking.

When can I redeem points?
It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem them. Your points are available to view on uchooserewards.com.

There you can keep track of the points you’ve earned, and then shop the online rewards catalog when you’re ready to redeem. A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item.

How much does it cost to participate?
There’s no cost to participate. Membership in uChoose Rewards® is free as part of your APCO Employees Credit Union credit card plan. Visit uchooserewards.com to start monitoring your points and browsing our online catalog.