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You can’t have smarter money management without even smarter security.

That’s why we are ensuring all of our customers receive new MAX credit and debit chip cards. Our new cards are now embedded with an EMV microprocessor chip on the front and the traditional magnetic stripe on the back. The embedded microprocessors in our new chip cards are the latest weapons we are using against criminals attempting to commit fraud with your account.

When your current MAX credit card expires, you can expect to receive your new MAX chip cards in the mail soon. This also applies to lost/stolen cards. We will start with our MAX credit cards and then complete full implementation of the chip card by sending you new debit cards in the future.

What does this mean for me?

Don’t worry, the new MAX credit and debit cards will be the same size and thickness as your old cards. And you will even keep your current card(s) number(s). There will be no need to re-establish automatic withdrawals, Bill Pay, payment plans, or any other automated use of your MAX credit/debit card.

When does this happen?

All cards on your account will automatically be changed to the new MAX chip card and sent directly to you to replace your current card once it expires. You should expect to see your new card when your card is reissued, followed by your debit card in the near future.

What do I need to do?

Please be sure MAX has an accurate mailing address on file to ensure quick and secure delivery of your new card(s). If you need to update your contact information, simply log in to MAX Online Banking. Next, choose “Update Contact Information” under the services section of the navigation menu. The next screen, labeled “Change of Address Request”, will provide the fields to update your contact information. Under “Choose Accounts”, select the accounts you would like to update. Be sure this includes the accounts with cards in which you wish to change the address. Then click “Submit” at the bottom of the page.

How do I use my new MAX chip card to make a purchase?

Chip cards are read differently than the traditional magnetic stripe. Instead of swiping, you will “dip” your chip card into a terminal slot and wait for it to process. Data is shared between the chip card and the financial institution that issued the card to verify the legitimacy of the card and the unique transaction data.

Where can I use my new MAX chip card(s)?

You can use your MAX chip card(s) anywhere you would normally use your card. The first round of EMV chip cards will be equipped with both chip and magnetic-stripe functionality. Let the terminal determine how you use your card.

My other cards from other financial institutions still use the magnetic stripe. Will they work on the new EMV terminals?

Yes, in most occasions you can continue to use a magnetic stripe card in the U.S. and the cards will work on chip-enabled terminals; however, you may want to contact your secondary financial institution to be sure. In reverse, our Chip Cards can be used at terminals that only read the magnetic stripe of your card.

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