Card Upgrades

JUMP TO NEW CREDIT CARD INFO

JUMP TO DIGITAL WALLETS

New Debit Cards Have Arrived. Activate Now!

Members can now activate their new TAPCO Visa Debit Card and begin enjoying enhanced security features, improved accessibility, and a stunning new design inspired by the beauty of the Pacific Northwest. Whether you're planning your next shopping trip or managing your finances on the go, these cards are built to make life easier and more secure. Experience the next level of convenience with TAPCO by your side.

Old Debit Card Stops Working: November 6, early AM
New Debit Card Can Be Activated: On or After November 6

Debit Card Activation Phone Number: 800.631.3197 (activate and stay on the line to set PIN)
If You Don't Set PIN During Activation, Call To Set Your Pin: 888.886.0083

Primary Members and Joint Members will need to use the Primary Member's details to activate the new debit card.

Frequently Asked Questions

Why is TAPCO Credit Union upgrading their debit cards?  TAPCO is committed to continuously improving the benefits and services we deliver to our members. Your new debit card will offer more security, and several exciting new features such as tap-to-pay, digital issuance, and a new mobile app to manage your TAPCO accounts and cards all in one place.

Will I still have the same card number? No. All cardholders will have new card numbers. Visa Debit Card numbers were required to change as the industry is moving to a more secure 8-digit BIN (the leading numbers on your card). Any recurring or preauthorized charges you have on your current debit card will need to be updated to the new debit card number. This includes payments for utilities, gyms, and online merchants such as Netflix and Amazon. Payments that use ACH (account and routing number) will not be affected.

What information do I need to activate my debit card? Primary Members and Joint Members will need to use the Primary Member's details to activate the new debit card.

Will my PIN stay the same? You will be required to set your PIN for your new Visa Debit Card. There will be a phone number on your letter and a sticker on the card for you to call to activate your card and set your PIN. You can set your PIN to the same number as your old card or update it to a new number. If you  activated your new debit card but didn’t set your PIN during the activation process, please call 888-886-0083 to set your PIN on or after November 6.

I have multiple accounts with multiple debit cards, how do I tell which new debit card is for each account? In Online or Mobile Banking click on your account (usually checking) that has a debit card. Then click Card Services. You will see a drop down of the cards connected to that account. The last four digits will show for each corresponding card.

Will my new card be compatible with a mobile wallet (Google Pay, Apple Pay)*? Yes. For Apple, Samsung, and Google Pay, members will need to add their new TAPCO Debit Card to their digital wallets and remove their old TAPCO Debit Cards. Visa Debit Card images are also changing. *This feature will be active at a future date.

Do I need to update my card information with merchants for recurring payments? Yes, members will need to update any merchants that automatically pull payments from their debit card to their new TAPCO debit card information. We encourage you to review your account statement and capture all merchants that will need to be contacted. Payments that use ACH (account and routing number) will not be affected.

How long will my current debit card work after the conversion? Your old Visa Debit Cards will stop working on November 6, 2024 in the early AM.

When will I get my new Debit Card? New Debit Cards were mailed beginning October 21st. You should receive your new card 7-10 Business Days after it is mailed. 

What if I do not receive my new card? Please contact TAPCO at 253.565.9895 and they will assist you with ordering a replacement card.

Can I still use my card with no fee at Co-op ATMs? Yes, Co-Op ATMs remain free

Can you still print cards in branches? Yes, debit cards will be instantly issued in any of our branches.

Will my new Debit Card have Tap to Pay? Your new debit card will include improved functionality allowing you to “Tap to Pay" at any merchant that accepts contactless payments.

Will joint owners with debit cards also receive new debit cards? Yes. If you have a joint owner on your account that holds a debit card, they will receive a new debit card with a new card number and expiration date.

When can I destroy my old Debit Card? Keep using your old card through November 5th. On November 6th, activate your new Debit Card and destroy your old card. Make sure you are destroying your Debit Dard and not a TAPCO Credit Card if you have one!

What happens to the credit/dispute/refund I was waiting for that was going to the old card? Disputes will continue to be processed, and any credits will be processed to your account. Please reach out to the TAPCO Contact Center at 253.565.9895 for more information.

Change powered by Members!
As your trusted financial partner, this upgrade is another way we’re committed to providing you with better financial tools. We continuously strive to enhance your banking experience by offering innovative solutions that meet your needs. Our goal is to ensure you have access to the most efficient and convenient financial services possible, empowering you to manage your finances with greater ease and confidence. Thank you for allowing TAPCO Credit Union to support you on your financial journey.

Information on Digital Wallets

TAPCO Credit Cards can now be added to Digital Wallets including Apple Pay, Google Pay, and Samsung Pay.

When adding your TAPCO Visa Credit Card you may be prompted to call 866.622.6112 to complete the Digital Wallet activation.

Debit Cards will have Mobile Wallet functionality at a future date. We appreciate your patience.

New Credit Cards Have Arrived!

Your new TAPCO Visa Credit Card can now be activated. Please follow the steps provided with the card to activate and start using your new credit card.

 If you did not receive your new credit card please call us at 253.565.9895 or send us a message.

IMPORTANT INFORMATION

Our card conversion process began on the evening of Thursday, September 12, 2024. During the conversion, credit card information was not be accessible through Online and Mobile Banking until approximately 11am on Monday, September 16, 2024, this included viewing your credit card account details

Your current (old) credit card no longer works.  Your New Credit Card can be activated on or after Sunday, September 15, 2024.

Should you have any questions about this message, please reach out to our Contact Center at 253.565.9895.

You may notice a number next to your credit card account that is not the same as the last four digits of your credit card. This is normal. You can find the last four digits of your card number by clicking your account and then clicking Card Services.

Visa Gold Card Rewards Information

We are excited to announce that our Visa Gold Card rewards program will be undergoing an upgrade on September 13th. As part of this update, members can redeem their rewards points* in the current program through September 12th.

Following this date, there will be a brief  blackout period during which rewards points cannot be redeemed. After this short period, we will launch our new and improved rewards site, offering you an enhanced experience and more opportunities to redeem your points.

*Note that all rewards points transferred to the new system will come with a new expiration date of 3 years after the upgrade date.

Thank you for your continued loyalty and understanding as we work to provide you with the best possible rewards program.

Frequently Asked Questions

Will I get a new credit card and card number?

Yes, your new card offers more security features including a new card number and expiration date. Card numbers were required to change as the industry is moving to a more secure 8-digit BIN (the leading numbers on your card). Any recurring or preauthorized charges you have on your current card will need to be updated to the new card number. This includes payments for utilities, gyms, and online merchants such as Netflix and Amazon.

When will I get my new credit card?

New Credit Cards will be mailed out  Monday, August 26 - Tuesday September 3, 2024.

When can I activate my new credit card?

Your new Credit Card can be activated on (or after) Sunday, September 15, 2024. Please keep the new card in a safe and secure space that will be accessible on the activation date.

When will my old credit card stop working?

Your old Credit Card will stop working early morning (approx. between 1am–2am PST) on Sunday, September 15, 2024.

When can I destroy my old credit card?

You can keep using your old card through September 14th. On September 15th, activate your new credit card and destroy your old card. Make sure you are destroying your credit card and not a TAPCO Debit Card if you have one! Debit Cards will be replaced later in the fall.

Why is TAPCO Credit Union upgrading their credit cards?

The new provider will allow TAPCO to offer more security features, a more robust rewards program, and several exciting new features such as Tap to Pay, digital issuance, and a new mobile app to manage your TAPCO accounts and cards all in one place. 

Will any of the terms of my new card change?

Your APR, minimum payment, and fees will all remain the same. Payment due dates will change from the 15th of the month to the 16th.

Will authorized users with cards also receive new cards?

Yes. If you have multiple cards on the same account, each cardholder will receive a new card with a new card number and expiration date.

Will I still earn rewards points with my new card?

If you have a TAPCO Gold Rewards card, your points will automatically transfer to your new account. You can log in to view and redeem your reward points through September 13, 2024. All rewards points that transfer to the new reward platform will not expire until December 31st, 2027. New points will continue to expire in three calendar years.

Will my payment mailing address change?

Yes, the new address for mailing payments is PO Box 660493, Dallas, TX 75266-0493

Will my autopay for my card statement transfer with the new card?

In most instances, similar to preauthorized charges, any recurring auto-pay you had set up to satisfy your payment or pay down your balance will need to be re-established. We apologize for this inconvenience.

What will happen to my recurring charges?

If you have any recurring charges set up with other merchants such as your gym or home utilities, you will need to update your account number directly with them after you activate your new credit card.

Will I be able to view my past transaction history?

Yes, 12 months of history will be available online.

Will my new card have Tap to Pay?

Your new credit card will include improved functionality allowing you to “Tap to Pay" at any merchant that accepts contactless payments.

Can I manage my account online? Is there a mobile app for managing my account?

Yes, as part of the upgrade, TAPCO’s Online Banking and Mobile App will now have easy-to-use integrated card controls.

What do I need to prior to getting my new credit card?

Right now, simply ensure your that contact information with us is current. You will not want to miss any of these exciting updates. Additional information, including tips, important date reminders, and details about new card features, will be sent to you via email. You can update your email by visiting a branch location, sending us a secure message through Online Banking, or by calling us at 253.565.9895 or Toll Free at 800.345.7183.

Will TAPCO still have instant issue credit cards in-branch?

No, TAPCO will no longer instant issue credit cards in-branch. New credit cards will be mailed to members by our card processor. Beginning in mid-November, TAPCO is also adding the ability to issue digital cards that can be loaded to the member's “digital wallet” (Apple Pay, Google Pay, etc.) for use prior to receiving the new card in the mail.

Change powered by Members!

As your trusted financial partner, this upgrade is another way we’re committed to providing you with better financial tools. We continuously strive to enhance your banking experience by offering innovative solutions that meet your needs. Our goal is to ensure you have access to the most efficient and convenient financial services possible, empowering you to manage your finances with greater ease and confidence. Thank you for allowing TAPCO Credit Union to support you on your financial journey.