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EMV Conversion

What You Need To Know

Your card will now have an EMV chip:

EMV chips are designed to prevent in-person fraud (not online purchases). They are more effective than magnetic strips because the data stored on the chips is encrypted and changes with each transaction similar to a one time password. Additionally, unlike a magnetic strip the chip is nearly impossible to clone. Keep in mind that though chip transactions may take a bit longer they are more secure because the chip is communicating with our system and the merchant to validate your card.

For increased security you will receive a new card number:

This means you will need to adjust any recurring payments that use your card number. Also, once you activate your new card the old card will no longer work and should be destroyed.

With your new Debit and Credit card you will be able to change your PIN:

You will receive a mailer with your new PIN number. Inside the mailer you will find a phone number you can call to create your own pin number, you can also change your PIN at an ATM.

ATM Transactions:

You can no longer withdraw cash directly from a line of credit at an ATM. If you would still like to pull cash from a line of credit you can transfer money from the line of credit to your account using online banking or the TransWest app.

When you use your EMV card you will be required to dip rather than swipe:

This refers to the insertion of a credit or debit card into a reader, so it is very important that you always remember to remove your card at the end of any transaction.

Joint Accounts will have different card numbers than the Primary Card Holder:

This means that if there is fraud on one card, then only that card needs to be blocked and reordered which allows joint members to continue using their own cards.

From September (2017) through March (2018) all TransWest debit and credit cards will be reissued regardless of the year they expire. The rollout schedule for the new cards can be found below.

Cards With Expiration   Month Of 

 Recieve New Card In

October & April

October (2017)

November & May

November (2017)

December & June

December (2017)

January & July

January (2018)

February & August

February (2018)

March & September 

March (2018)