A Better Banking Experience

As we transition from Mastercard to Visa, this change allows us to provide better fraud protection, seamless transactions at millions of locations worldwide, and access to Visa’s extensive network of perks and services. Our goal is to continually improve your banking experience, and this switch ensures you have a reliable and convenient payment option wherever you go.

Secure - all purchases, bill payments, and funds transferred into and out of your bank account using your Visa Debit card are secured through Visa’s trusted global network.
Contactless payments - Tap to Pay at over 150 million locations
Card controls and alerts in online & mobile banking
FAQs
Why is Liberty Bay Credit Union switching from Mastercard™ to VISA®?

Liberty Bay is partnering with a new debit card processor which allowed LBCU to make a brand change from Mastercard™ to VISA®. VISA® is the market leader in both debit and credit card usage and has wide acceptance both domestically and abroad.

When will this change occur?

We will begin mailing new debit cards tentatively in April 2025.

When can I activate my new Visa debit card?

You can activate your new card immediately upon receipt.

If I have a Mastercard™ debit card, will my card number change?

Yes, your debit card number will change.

Will my PIN change?

Only if you want it to. When you call to activate your new card you will also be instructed to create a PIN. However, you can use the same pin number previously being used if you wish.

Will my existing automatic payments linked to my MasterCard transfer to Visa?

Yes, LBCU will be notifying existing merchants of the switch to Visa. However, we advise members to follow up individually to give merchants your new Visa debit card number as well.

Do I have to request a new VISA® card?

No, you will automatically receive a new VISA debit card in the mail during the roll out period.

What should I do once I receive my new card?

Upon receipt, activate your debit card and set your PIN by calling 800.992.3808.

Are there costs or fees associated with replacing my Mastercard™ card with a new VISA® card?

There is no fee associated with getting your new debit card. If in the future you need to replace a lost or stolen card, you may incur a replacement fee. Refer to the Fee Schedule for a list of current fees. To replace a lost or stolen card, call the Member Service Center at 617-439-6500 or visit a branch near you.

How long can I continue to use my Mastercard™ debit card?

You may continue to use your Mastercard™ debit card until a final date is announced.

Will I be without a debit card?

No one should be without a debit card. However, if your address is not up to date in our system, you may not receive your new VISA® debit card. Please contact the Member Service Center at 617-439-6500 if you need to update your mailing address.

Will my deposit account be affected?

No changes will be made to any checking, savings or loans you have with Liberty Bay Credit Union.

If my name is printed incorrectly on my new VISA® debit card, who can I call to fix it?

All names on your new VISA® debit card should match the current name on your Mastercard™ debit card. If the name is incorrect on your new VISA® debit card, please contact the Member Service Center at 617-439-6500 or visit a branch near you.

Will I still be able to use Card Valet?

More information will be coming soon regarding Card Valet.

I have merchants that charge my Mastercard™ monthly. Will I have to notify those merchants? (Ex. Netflix, insurance companies, Amazon, Apple, utilities)

LBCU will be notifying existing merchants of the switch to Visa. However, we advise members to follow up individually to give merchants your new Visa debit card number as well.

What if I am traveling and not available to receive my new card at my home address?

Please contact the Member Service Center at 617-439-6500 if you will not be at your home address during our new debit card deployment timeframe.

My spouse/child/parent has not received the new VISA® debit card. When will one be issued?

Members who have not received a VISA® debit card should contact the Member Service Center at 617-439-6500 or stop by any branch

What if I haven’t received my new card?

If you haven’t received your new card please contact the Member Service Center at 617-439-6500 or stop by any branch.

Will there be a time when my debit card will be declined?

LBCU doesn’t expect any downtime during the conversion to a new processor; however, it’s always a good idea to be prepared just in case. Have some cash on hand or your LBCU MasterCard in your wallet in case of any unforeseen downtime.

Will my limits change?

No, limits will remain the same. Members can withdraw up to $1,500 per day from ATMs and $1,500 at point of sale locations.

Will I have to Opt in again to courtesy pay?

No; your courtesy pay will not be affected and will continue to work throughout the conversion and after.

What is the difference between my VISA® Debit and my VISA® Credit Card?

The VISA® Debit is directly linked to your checking account. When you use your VISA® Debit the funds are withdrawn from your checking account. VISA® Credit allows you to borrow the money and repay later.

What should I do with my Mastercard™ debit card?

Your Mastercard™ debit card can be destroyed, shredded or returned to any branch for destruction once you have activated your new Visa debit card.

If my Mastercard™ is due to expire in February 2025 or March 2025, will I receive a new Mastercard™ in the mail?

Yes, you will be reissued a MasterCard™ because we didn’t want to interrupt anyone’s access to having a debit card. There is a possibility that you will receive a MasterCard at the same time as your VISA®  arrives. If so, once the VISA is activated, the MasterCard™ can be destroyed.

Still have questions?

Fill out our Visa Brand Flip Inquiries Form. Our team will respond within 24 hours.

Visa Brand Flip Inquiry Form