Where can I use my chip card?

You can use your new chip card anywhere Visa is accepted. You simply insert the card into card terminals that are chip-enabled or swipe your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments and telephone payments.

Will chip cards prevent third-party data breaches?

No. Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

What is a chip card?

Chip cards contain an embedded microchip, which provides enhanced security by making it extremely difficult to counterfeit or copy when making transactions at a chip-enabled terminal. Your chip card will also have the usual magnetic stripe on the back so that you can continue to swipe your debit card or credit card while merchants are transitioning to new chip card terminals. Chip technology is also more broadly accepted internationally.

What if I have questions about my Visa chip card?

Please don't hesitate to call us at 1-800-697-0049.

What if I go to a merchant but they have not yet installed chip enabled terminals?

That's OK. You will still be able to use your chip card as you do today where chip-enabled terminals are not yet installed.

Is an EMV card the same thing as a chip card?

Yes. Chip cards are commonly referred to as EMV (Europay, MasterCard and Visa) cards, smart cards and chip and pin cards.

Do I need a Pin to make a purchase with my debit card?

Heartland Bank does not require you to use a pin with your debit card purchase; however, the merchant could make it a requirement. If you do not know your pin, please call us at 800-697-0049 and we will assist you with obtaining your pin.

Do I need a PIN to make a purchase with my credit card? What is Chip & Signature and Chip & PIN?

No. You have a Chip & Signature card, so you should not need a PIN to make purchases with your credit card. The term 'PIN' or 'Signature' simply refers to how you will authorize the transaction - by entering a PIN or by providing your signature. When using your Heartland Bank VISA chip credit card, you'll be prompted for a signature to complete the transactions.

Are chip cards more secure?

Yes. The chip generates a unique, one-time code each time you 'dip' your Heartland Bank Visa card at a chip-enabled terminal - this typically takes about 10 seconds. Chip card technology is already used in other countries around the world. It's been reported that chip cards and chip enabled terminals are expected to reduce debit card and credit card fraud by as much as 40%.

How do I apply for a Heartland Bank credit card?

Click here to apply for a credit card online.

How do I make a Heartland Bank personal credit card payment?

You can pay your Heartland Bank personal credit card online or by mailing the payment to the following address:
Visa
P.O. Box 2087
Omaha, NE 68103-2087

How can I enroll my personal credit card in online access?

Enroll your personal credit card for Online Access by visiting our homepage and clicking the arrow in the Login Box to reveal the drop-down menu. Click Credit Cards and then click Submit. You will then choose “Personal” from the notification window. When the “Customer login” screen appears, click on the last option to “Register for online access.” Follow the prompts and be prepared to have your credit card number, last four digits of your social security number and zip code for completion.

How do I view my personal account activity online?

To view your personal statement online, simply visit our homepage and click the arrow in the Login Box to reveal the drop-down menu. Click Credit Cards and then click Submit. You will then choose "Personal" from the notification window. After clicking, follow the prompts to enter your username and password, then click “Log in.” From the Account Home screen, view the menu, make selections, review the notice bars and/or scroll down for additional options.

Can I pay my Heartland Bank personal credit card bill online?

To pay your personal credit card bill online, simply visit our homepage and click the arrow in the Login box to reveal the drop-down menu. Click Credit Cards and then click Submit. You will then choose “Personal” from the notification window. Follow the prompts to enter your username and password. Complete the following steps: 

  • Click on Payments in the menu bar or the task bar
  • Click “Make a payment” in the orange box
  • Choose “Minimum payment due” or “Other amount”
  • Tab down to “Schedule payment on” and select a date
  • For your first payment, you will need to click on “Add payment account”
    • You will need your 9-digit routing number, account number and account type, then select “Add payment account”
  • Choose the account to pay from and click “Review payment”

Does the Heartland Bank credit card offer rewards points?

Yes. UChoose Rewards® allows you to earn rewards for every net retail purchase you make with your Heartland Bank Visa consumer credit card. Brand-name merchandise, concert tickets and travel awards are available as your rewards accumulate. Visit www.uchooserewards.com to view the offerings.

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