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EMV Chip Cards Are Just Around The Corner!

EMV Chip Cards Are Just Around The Corner!

Monday, April 25, 2016/Categories: Community, Education, Products & Services, Security, Website

Heartland Bank is pleased to announce improvements to our credit card program. With EMV chip card technology, a modern new design, conversion from MasterCard to Visa, an updated rewards program and real time card activity via the secure portal on, you’ll find that we remain committed to great service.

These improvements will mean a few changes to your account and we want to make sure you know exactly what is happening and when.


  • Your new Heartland Bank Visa credit card will be mailed to you the week of May 9
  • You may activate your new Visa credit card beginning on May 23, at 7:00 a.m. The activation number will not ring through before that date/time
  • Your old Heartland Bank MasterCard will become inactive on May 23 at 7:00 a.m. even if you do not immediately activate your new Heartland Bank Visa credit card 
  • For security reasons, each cardholder will have a new individual card number, CVV number and expiration date
  • If you have recurring payments made with your current Heartland Bank MasterCard, make sure to contact each vendor with your new Visa card number to help avoid any interruption in your service.
  • Starting May 23, you will have a new rewards program for your Heartland Bank credit card called UChoose Rewards. This new program will allow you to redeem points on your credit card purchases to use toward shopping, travel, event tickets, gift cards and more. 
  • Although the current rewards program will be discontinued, you will not lose your points. All points will transfer to the new program, called UChoose. Please watch your e-mail and for further information as it becomes available.
  • For your convenience, we've created a special EMV Information Page to see frequently asked questions. If you have additional questions or inquiries before the conversion date of May 23, please call us at (800) 697-0049. On or after the conversion date, please call us at 1-844-267-2744

Questions about EMV Chip Card Technology?

Heartland Bank has joined financial institutions all over the world in the switch to EMV chip cards. We are currently reissuing all credit cards to include this important security advancement. EMV, which stands for Europay, MasterCard and Visa, is a global credit card technology standard widely used throughout Europe and the rest of the world. Essentially the major difference between EMV cards and the magnetic stripe cards is the way in which the cards store personal information.

Magnetic stripe cards hold information in the stripe itself. That is why every time you pay using this method, the magnetic stripe needs to be swiped for the information on it to be read. Instead of a magnetic stripe, EMV cards store information on an integrated circuit chip embedded in the card itself. Due to the security in the chip, every in-person transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited.