Credit Card Conversion Guide

• Tap to Pay Functionality – Look for the contactless symbol on the payment terminal.
  
• EMV Chip Technology: Your new debit card will continue to have an embedded chip that will help increase security and reduce fraud. The EMV chip will be in addition to the standard magnetic strip.
• 24/7 Cardholder Service: Call 1-888-999-7732 for balance inquiries, payment information, transaction history, statement requests or to dispute a charge.
• 1^st Ed SmartWallet (Coming Soon!): Real-time credit card information, including transactions, pending activity, payment information and custom email alerts, plus sign up for electronic statements when you log into your account online. More information will be available within our Digital Conversion Guide soon.

• Your new card will be mailed on or before June 10. Please allow 7-10 business days for delivery. Please DO NOT dispose of your current credit card until June 24 when your new credit card can be activated and used. 
• New cards will be mailed to all cardholders, regardless of whether you are the primary or secondary cardholder. Your credit card number, expiration date, and CVV number 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, you will be required to use a PIN. You can select your unique PIN during the activation of the card or call 1-888-999-7732.
• You will need to activate your new credit card from the phone number listed on file with the credit union using the last four digits of the primary member’s Social Security Number.
• 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.

• After June 24 for a limited time period, you will not be able to view your credit card transactions through 1^st Ed’s online banking platform. In order to view your credit card transactions, you will need to sign up for SmartWallet through 1^st Ed’s online banking platform or mobile app. SmartWallet is a free service.

• After June 24, you will contact the Fraud Department at  1-888-999-7732 to report fraudulent activity on your 1^st Ed credit card.

• The new fraud alert phone number will be 1-833-763-2013. This is the number that will appear on your caller ID if we need to contact you regarding possible fraud activity involving your account.

• For your convenience we have included frequently asked questions at the end of this email. If you have any additional questions or inquiries please call us at (717) 264-6506, option 6. 

For mailed payments: 

• The new mailing address will be P.O. Box 2711, Omaha, NE 68103-2711. The updated address will also be printed on your statement.
• Only credit card payments will be processed at this address. Please do not send any other payments to this address.

For online payments: 

• You will be temporarily unable to view credit card activity or make payments through our online and mobile banking platforms. To make a payment to your credit card from another 1st Ed account, you must use 1st Ed SmartWallet starting June 25. Please update your mobile app to the most recent version to access SmartWallet, or access the web version via online banking.
• For payments made through an online bill payer or with automated payments, contact your provider of this service (i.e., another bank or bill pay service) on or after June 24 and provide your new credit card number and payment address of P.O. Box 2711 Omaha, NE 68103-2711.

Starting June 24, you will have a new rewards program for your 1^st Ed Credit Union credit card called UChoose Rewards®. UChoose Rewards® will allow you to redeem points on your credit card purchases to use toward cash back, shopping, travel, event tickets, gift cards and more. Some important information about the transition of the rewards program:

• *All qualified rewards transactions performed between June 1 and June 24 will be credited to your rewards balance within 60 days of the transaction. You will not lose any reward points during this transition.
• Any remaining points in the current rewards program after May 31 will be transferred to the new UChoose Rewards® Program, if you choose to redeem any reward points prior to the transition, redemptions will be processed up until May 31.
• All points that are transferred from the current rewards program to UChoose Rewards® will be shown on your UChoose Rewards® account.
• You will start earning points with your new credit card under the new rewards program beginning June 24.

Exciting new redemption features of the new rewards program include:

• A catalog where you can choose to redeem points for merchandise, travel, activities, events, and more.
• Pay with Points at participating merchants and digital wallets beginning July 2024.
• Pay with Points- Amazon beginning July 2024.

Important information about the transition of the rewards program:

• Points can no longer be earned/redeemed under our current program after May 31.
• You may start earning points with your new debit card beginning June 3 when you start using the new debit card to make purchases.
• Any remaining points earned with our current program will be transferred to the new UChoose Rewards® Program.

May 31 – Last day to earn and/or redeem points under our current program. Your points will carry over at time of the transition.

June 10 – New credit card mailed on or before this date.

June 24 – Old credit card becomes inactive.

June 24 – Activate your new credit card starting on June 24, 2024 using the last four digits of the primary member’s Social Security Number.

June 24– New rewards program begins with UChoose Rewards®. You will be able to earn and redeem points at this time.

We are changing our card processor to better serve your needs. This change requires that a new card be issued.

No. Your interest rate and other terms on your account will not be changing.

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.

No. Your existing card will not work effective June 24. Instructions will come with your new card to ensure it is ready to use on or after June 24.

Yes. As a security feature, all cards being issued with this upgrade 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.

To ensure there is no interruption in recurring or preauthorized payments (such as monthly telephone, electricity, gas bills, insurance, clubs), contact the merchant on or after June 24 with your new credit card information.

We recommend waiting to contact merchants to update your card information for recurring or preauthorized payments (such as monthly telephone, electricity, gas bills, insurance, clubs) until after you have received the replacement card if possible.

No. Your due date will stay the same.

After June 24 for a limited time period, you will not be able to view your credit card transactions through 1^st Ed’s online banking platform. In order to view your credit card transactions, you will need to sign up for SmartWallet through 1^st Ed’s online banking platform or mobile app. SmartWallet is a free service that will be accessed through your mobile banking app on your mobile device, or through online banking on your desktop device. 

Yes. The new address will be included on the statement. If you pay this bill through online bill payment, you will need to update the mailing address to P.O. Box 2711, Omaha, NE 68103-2711 on or after June 24 to ensure that your payment reaches the processor by your due date. Only credit card payments will be processed at this address.

Yes. To ensure there is no interruption in automated payments, contact your provider of this service (i.e., another bank or bill pay service) on or after June 24 and provide your new credit card number and payment address of P.O. Box 2711 Omaha, NE 68103-2711.

You will not be able to access past statements/history online as of June 24, so we recommend you save the statements to your computer or print hard copies before this date.

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 view your points activity.

You earn points everywhere your VISA® credit card is accepted. Participating retailers offer additional reward points for purchases made at their stores or online.

It can take up to 60 days for your points to be credited to your account.