what is an account number on a visa debit card

A Visa Debit Card may look like a credit card, but acts like a check because the purchase amount is deducted from the cardholder's checking account. Sleek design that's vertically built with higher quality plastic with account number on the back of the card. Stay Secure. Has. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

What is an account number on a visa debit card -

Payment card number

Not to be confused with Permanent account number.

card identifier found on payment cards

A payment card number, primary account number (PAN), or simply a card number, is the card identifier found on payment cards, such as credit cards and debit cards, as well as stored-value cards, gift cards and other similar cards. In some situations the card number is referred to as a bank card number. The card number is primarily a card identifier and does not directly identify the bank account number/s to which the card is/are linked by the issuing entity. The card number prefix identifies the issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer's designated bank accounts. In the case of stored-value type cards, the association with a particular customer is only made if the prepaid card is reloadable. Card numbers are allocated in accordance with ISO/IEC 7812. The card number is usually prominently embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may be imprinted on the back of the card.

The payment card number differs from the Business Identifier Code (BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code or SWIFT code). It also differs from Universal Payment Identification Code, another identifier for a bank account in the United States.

Structure[edit]

Payment card numbers are composed of 8 to 19 digits,[1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the "bank identification number (BIN)". The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit. IINs and PANs have a certain level of internal structure and share a common numbering scheme set by ISO/IEC 7812. The parts of the number are as follows:

  1. ^IIN length has been extended to 8-digits in fifth edition of ISO/IEC 7812 published in 2017[2] and PAN will continue to remain variable length, ranging from 10 to 19 digits.

Issuer identification number (IIN)[edit]

Partial IIN on a credit card (both printed and embossed)

The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number's length is its number of digits. Many card issuers print the entire IIN and account number on their card.

Note that in some circumstances the issuer identification number (IIN) or bank identification number (BIN) may not be licensed directly from the issuing network (such as Mastercard or Visa). Obtaining an IIN/BIN number can be costly, time consuming and demand intensive operational burdens on in-house regulatory and compliance teams. For this reason, some new card programmes may use a 'BIN sponsor', in which case the IIN/BIN number is effectively sub-licensed from a scheme regulated entity. This is known as BIN sponsorship, and is a popular way for financial institutions to fast-track access to market.[4]

In the United States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims.

The ISO Register of Issuer Identification Numbers database is managed by the American Bankers Association. ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers.

Online merchants may use IIN lookups to help validate transactions. For example, if a card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.

Issuing network IIN ranges Active Length Validation
American Express34, 37[5]Yes 15[6]Luhn algorithm
Bankcard[7]5610, 560221–560225 No 16
China T-Union31 Yes 19
China UnionPay62 Yes 16–19[8]
Diners ClubenRouteYes 15 No Validation
Diners Club International[9]36 Yes 14–19[8]Luhn algorithm
Diners Club United States & Canada[10]54 Yes 16
Discover Card6011, 644-649, 65 Yes 16–19[8]
622126–622925 (China UnionPay co-branded) Yes 16–19[8]
UkrCard60400100–60420099 Yes 16–19
RuPay60, 65, 81, 82, 508 Yes 16
353, 356 (RuPay-JCB co-branded) Yes 16
InterPayment636 Yes 16–19
InstaPayment637–639 Yes 16
JCB3528–3589 Yes 16–19[8]
Laser6304, 6706, 6771, 6709 No 16–19
Maestro UK 6759, 676770, 676774[11]Yes 12–19
Maestro5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 6763 Yes 12–19
Dankort5019 Yes 16
4571 (Visa co-branded)[12]Yes 16
Mir2200–2204 Yes 16–19
NPS Pridnestrovie6054740–6054744 Yes 16
Mastercard2221–2720[13]Yes (since 2017)[14]16
51–55 Yes 16
Solo6334, 6767 No 16, 18, 19
Switch4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759 No 16, 18, 19
Troy65, 9792[15]Yes 16
Visa4 Yes 13, 16
Visa Electron4026, 417500, 4508, 4844, 4913, 4917 Yes 16
UATP1 Yes 15
Verve506099–506198, 650002–650027 Yes 16, 19 Unknown
LankaPay 357111 Yes 16
UzCard8600 Yes 16 Unknown
Humo9860 Yes 16 Unknown

On November 8, 2004, MasterCard and Diners Club formed an alliance. Diners Club cards issued in Canada and the United States start with 54 or 55 and are treated as MasterCards worldwide. International cards use the 36 prefix and are treated as MasterCards in Canada and the United States, but are treated as Diners Club cards elsewhere. Diners Club International's website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective October 16, 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card.[16]

On November 3, 2014, MasterCard announced that they were introducing a new series of BIN ranges that begin with a “2” (222100–272099). The “2” series BINs will be processed the same as the “51–55” series BINs are today. They became active 14 October 2016.

On July 23, 2014 JSC NSPK was established in the Russian Federation. The joint stock company National System of Payment Cards (NSPK) is the operator of the Mir National Payment System. The main initiatives of NSPK are to create the national payment system infrastructure and to issue a national payment card Mir.

Effective October 1, 2006, Discover began using the entire 65 prefix, not just 650. Also, similar to the MasterCard/Diners agreement, China UnionPay cards are now treated as Discover cards and accepted on the Discover network.

While the vast majority of Visa's account ranges describe 16 digit card numbers there are still a few account ranges (forty as of 11 December 2013) dedicated to 13 digit PANs and several (439 as of 11 Dec. 2013) account ranges where the issuer can mix 13 and 16 digit card numbers. Visa's VPay brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen.

Switch was re-branded as Maestro in mid-2007.[17] In 2011, UK domestic Maestro (formerly Switch) was aligned with the standard international Maestro proposition with the retention of a few residual country specific rules.

EMV Certification requires acceptance of a 19-digit Visa card (ADVT 6.1.1 Test Case 2) and Discover Card (E2E Test Plan v1.3, Test Case 06).

Canadian bank card numbering[edit]

Bank card numbers issued by Canadian banks also follow a pattern for their systems:

Security measures[edit]

To reduce the risk of credit card fraud, various techniques are used to prevent the dissemination of bank card numbers. These include:

  • Format-preserving encryption: in which the account number is replaced with a strongly encrypted version which retains the format of the card data including non sensitive parts of the field such as first six and last four digits. This permits data field protection without changing payment IT systems and applications. A common use is for protecting card data from the point of capture in a secure reader to the payment processing host end-to-end to mitigate risk of data compromise in systems such as the Point of Sale (POS). AES-FF1 Format-Preserving Encryption is defined in NIST Specification SP800-38G.
  • PAN truncation: in which only some of the digits on a card are displayed or printed on receipts. The PCI DSS standard dictates that only the first six and last four digits of the PAN may be printed on a receipt or displayed in cases other than where a business need requires the full PAN. US federal law (FACTA) allows only the display of the last 5 digits. In order to comply with both PCI DSS requirements and US federal law, generally only the last four digits are provided elsewhere to allow an individual to identify the card used.
  • Tokenization: in which an artificial account number (token) is printed, stored or transmitted in place of the true account number.

References[edit]

Источник: https://en.wikipedia.org/wiki/Payment_card_number

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

Chime Home

Our debit card works everywhere Visa debit cards are accepted. And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements. Out-of-network cash withdrawal fees apply.

Saving money is a no-brainer through Chime online banking. Every time you swipe your debit card, we round up to the nearest dollar and transfer the round-up from your Spending Account straight into your Savings Account. A magical, little way to make your money grow over time.

Avoid out of network ATM fees. With Chime, you get access to 60,000+ fee-free ATMs—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and 7-Eleven®. You can also use the map in your Chime app to find the closest fee-free ATM near you.

Can’t find your Chime debit card? No worries. You can instantly disable transactions in the app. No need to call us or explain yourself. And if you need a replacement card, just let us know. Debit card replacement is always free!

We support mobile payment platforms including Apple Pay™ and Google Pay™. Combining your Chime debit card with mobile pay means you can leave your wallet at home. 

  • Get fee-free overdraft with SpotMe. Eligibility requirements apply¹
  • Direct deposits arrive up to 2 days early²
  • Grow your savings, automatically
  • Access cash at 60,000+ fee-free ATMs³

Chime Debit CardDebit Cards 101

Chime Debit Card

How do I open a Chime Spending Account and get a Visa® Debit Card?

Opening a Chime Spending Account is free and it takes less than 2 minutes. Here’s how to apply online:

  • Visit chime.com and enter your personal info and complete the enrollment.
  • Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.

Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit to your Spending Account. You can also login to online banking at chime.com whenever you need it.

Do I need a credit check to apply for a Chime Spending Account or to get a Chime debit card?

Chime does not require a credit check to open an account and receive a Chime debit card.

Does the Chime debit card have a chip?

Your Chime Visa Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.

How many ATMs accept the Chime debit card?

You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, and Target®.

Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply. 

Where will my Chime debit card work?

Your Chime Visa Debit Card debit card works everywhere Visa debit cards are accepted.

What if my Chime debit card if lost, stolen, or misplaced?

If you need a new debit card, tap the “Replace My Card” button in the Card Settings of your Chime app! You will be asked whether your card was Lost, Stolen, or Damaged. After confirming your address a replacement card will arrive within two weeks. Keep an eye out for a green envelope with a Salt Lake City, Utah return address!

Does Chime offer prepaid debit cards?

Chime does not offer a prepaid debit card, however, Chime offers a full-featured deposit account that is a great alternative to prepaid cards. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Deposits are FDIC insured to at least $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Debit Cards 101

What is a debit card?

A debit card is a card issued by a bank and is used to make in-person and online purchases. It’s linked to your checking account and withdraws money directly.

Every debit card comes with security and privacy features, including a unique ID number, security code, expiration date, magnetic strip, and often an embedded chip. Some debit cards also have a four-digit pin number that can be used when making purchases for added protection.

What is the difference between a debit card & a prepaid card?

The difference between a prepaid card and a debit card can be confusing. Prepaid cards let you spend the money that has been preloaded onto the card, while debit cards draw funds from a linked bank account. Both prepaid cards and debit cards may have limitations and often come with fees. Chime offers a full-featured deposit account and debit card. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Chime accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank and Stride Bank, N.A., Members FDIC.

What is a chip card?

Chip cards come with an embedded metal microchip that encrypts customer information by using a one-time code during every purchase to complete the transaction. 

Can you use a debit card for online purchases?

Typically debit cards can be used for online purchases with any merchant that accepts the network name on your card.  When you make a purchase online with your debit card, you’ll need to provide the 16-digit card number that’s located on the front or back of your card, the expiration date, and your billing address. You’ll likely also be asked for a CCD, CVV or ‘security code,’ which is a three or four-digit number found on the back of the card.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3 Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location or at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.

© 2013-2021 Chime. All Rights Reserved.

Источник: https://www.chime.com/debit-card/

Transfer money in Apple Cash to your bank account or debit card

You can transfer money from your Apple Cash card instantly or within 1 to 3 business days.

How to transfer money to your bank or eligible debit card

When you transfer money from your Apple Cash1 card, you can either use a bank transfer to send funds to your bank account in 1 to 3 days or you can use Instant Transfer2 to send funds instantly3 to an eligible Mastercard or Visa debit card.

You can also send money to an individual in the Messages app.

Transferring your Apple Cash balance

Transfer instantly to an eligible debit card

First, make sure your iPhone or iPad has the latest version of iOS or iPadOS and add an eligible debit card4 in the Wallet app.

Then, make an Instant Transfer:

  1. Go to your card info:
    • On iPhone: open the Wallet app, tap your Apple Cash card, then tap the more button the more button.
    • On iPad: open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Transfer to Bank.
  3. Enter an amount and tap Next.
  4. Tap Instant Transfer.
  5. If you haven't added an eligible debit card, tap Add Card and follow the instructions on your screen to add a Mastercard or Visa debit card.
  6. Tap > to select the debit card you want to transfer funds to and select the billing information for your chosen debit card.

Your funds should transfer within 30 minutes.

Transfer in 1 to 3 business days to a bank account

  1. Go to your card info:
    • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
    • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Transfer to Bank.5
  3. Enter an amount and tap Next.
  4. Tap 1-3 Business Days. If you don't have a bank account set up, follow the instructions on your screen to add one.
  5. Confirm with Face ID, Touch ID, or passcode. 
  6. Wait for the money to transfer. This can take 1 to 3 business days.

If you're under 18 years old and part of Apple Cash Family

Children less than 13 years old can transfer funds from their Apple Cash account to a bank account.1

Teens at least 13 years old can transfer funds to their bank account or an eligible debit card using Instant Transfer.

How to update your bank account information

  1. Go to your card info:
    • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
    • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Bank Account, then tap the bank account you want to update. 
    • To delete your banking information, tap Delete Bank Account Information. Tap again to confirm. After deleting, you can add your bank information again or add different information. 
    • To edit your bank information, tap next to your routing number or account number, add your information, then confirm the numbers and tap Next.6

After you update your information on one device, it automatically updates on all the devices where you're signed in with your Apple ID.

About transfer limits

You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank account. You can only transfer your money to a bank account in the United States. There are no fees to transfer your money from Apple Cash to your bank account, unless you use an Instant Transfer.

Learn about account limits and person to person payment limits.

How to find your bank account number or routing number

Your bank account number and routing numbers are easy to find on your checks. If you don't have a check, you can call your bank and ask for this information.

Check that shows the routing number and account number

If you didn't receive your transfer

Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers aren't deposited on bank holidays or the weekend. See holidays observed by the Federal Reserve on federalreserve.gov.

If you don't receive an Instant Transfer after 2 hours, or you don't receive a 1 to 3 business day transfer after 3 business days, contact us.

If you think that you entered the wrong bank account or routing number, contact us.

If you can't transfer money

  1. Check for iOS, iPadOS, or watchOS updates.
  2. Make sure that your device is eligible to use with Apple Pay.
  3. Make sure that you have a Wi-Fi or cellular connection.
  4. If you're transferring money to a debit card, make sure it's an eligible debit card.

After each step, try to transfer money again:

  1. For 1 to 3 business day transactions, make sure that you added an eligible United States bank account and that you entered the correct account and routing numbers. If you enter the wrong numbers, the transfer might go to the wrong account.
  2. Instant transfers require you to use the billing address that matches your selected debit card.
  3. Check the limits. The minimum amount that you can transfer to your bank account is $1. If your balance is less than $1, you can transfer your total balance as an exception to the minimum. The maximum amount that you can transfer per transaction is $10,000.
  4. Make sure you aren't using accents when you enter your name.

If you still can't transfer money to your bank, you might need to verify your identity.

  1. You must be at least 18 years old and a resident of the United States to send and receive money with Apple Pay or receive the Apple Cash card, unless you're part of Apple Cash Family. These services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  2. A 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each Instant Transfer.
  3. Account security checks may require additional time to make funds available. Instant Transfers typically post immediately but can take up to 30 minutes.
  4. Only eligible for debit cards issued in the United States. If you aren't sure whether your card is eligible, contact your card issuer.
  5. When you aren't using Instant Transfer, there are no fees to transfer your money from Apple Cash to your bank account.
  6. Enter your bank information carefully. If you enter the wrong information, your money might go to the wrong account and may not be able to be recovered. If you need help, contact us.

Published Date: 

Источник: https://support.apple.com/en-us/HT207882

Visa Debit Card

Visa Debit Card annual fee

What you’ll pay to have your Visa Debit Card

  • $10 per card per annum (waived for the first year of the first card)

Visa Debit Card cash advance fee

When you use your Visa Debit Card to withdraw cash over the counter at another bank or financial institution

Visa Debit Card replacement fee

When you ask for a replacement Visa Debit Card:

  • $15 for standard delivery within New Zealand
  • $20 for urgent delivery within New Zealand
  • $20 for standard international delivery
  • $50 for urgent international delivery

Visa Debit Card disputed transaction fee

When you dispute a transaction made using your Visa Debit Card

  • $15 per transaction receipt requested

An investigation fee may also apply.

Overseas ATM balance enquiry fee

When you use your Visa Debit Card to make an ATM balance enquiry at an overseas ATM

Overseas ATM cash withdrawal fee

When you use your Visa Debit Card to withdraw cash at an overseas ATM

Overseas currency conversion commission

When you use your ATM/EFTPOS card or Visa Debit Card for a foreign currency transaction.

  • 2.5% of the New Zealand dollar amount once converted.
Источник: https://www.kiwibank.co.nz/business-banking/accounts-cards/everyday-accounts/visa-debit-card/

The CVV Number ("Card Verification Value") on your credit card or debit card is a 3 digit number on VISA®, MasterCard® and Discover® branded credit and debit cards. On your American Express® branded credit or debit card it is a 4 digit numeric code.

Your CVV number can be located by looking on your credit or debit card, as illustrated in the image below:

CVV Number

Providing your CVV number to an online merchant proves that you actually have the physical credit or debit card - and helps to keep you safe while reducing fraud.

CVV numbers are NOT your card's secret PIN (Personal Identification Number).

You should never enter your PIN number when asked to provide your CVV. (PIN numbers allow you to use your credit or debit card at an ATM or when making an in-person purchase with your debit card or a cash advance with any credit card.)

CVV numbers are also known as CSC numbers ("Card Security Code"), as well as CVV2 numbers, which are the same as CVV numbers, except that they have been generated by a 2nd generation process that makes them harder to "guess".



Merchants & Webmasters: Need to share this information on your website?

Simply copy & paste the code below for quick & easy integration:


Plain HTML Method

See it in action:

What is my CVV code?


Or view other integration options here.

Источник: https://www.cvvnumber.com/

Transfer money in Apple Cash to your bank account or debit card

You can transfer money from your Apple Cash card instantly or within 1 to 3 business days.

How to transfer money to your bank or eligible debit card

When you transfer money from your Apple Cash1 card, you can either use a bank transfer to send funds to your bank account in 1 to 3 days or you can use Instant Transfer2 to send funds instantly3 to an eligible Mastercard or Visa debit card.

You can also send money to an individual in the Messages app.

Transferring your Apple Cash balance

Transfer instantly to an eligible debit card

First, make sure your iPhone or iPad has the latest version of iOS or iPadOS and add an eligible debit card4 in the Wallet app.

Then, make an Instant Transfer:

  1. Go to your card info:
    • On iPhone: open the Wallet app, tap your Apple Cash card, then tap the more button the more button.
    • On iPad: open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Transfer to Bank.
  3. Enter an amount and tap Next.
  4. Tap Instant Transfer.
  5. If you haven't added an eligible debit card, tap Add Card and follow the instructions on your screen to add a Mastercard or Visa debit card.
  6. Tap > to select the debit card you want to transfer funds to and select the billing information for your chosen debit card.

Your funds should transfer within 30 minutes.

Transfer in 1 to 3 business days to a bank what is an account number on a visa debit card to your card info:
  • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
  • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  • Tap Transfer to Bank.5
  • Enter an amount and tap Next.
  • Tap 1-3 Business Days. If you don't have a bank account set up, follow the instructions on your screen to add one.
  • Confirm with Face ID, Touch ID, or passcode. 
  • Wait for the money to transfer. This can take 1 to 3 business days.
  • If you're under 18 years old and part of Apple Cash Family

    Children less than 13 years old can transfer funds from their Apple Cash account to a bank account.1

    Teens at least 13 years old can transfer funds to their bank account or an eligible debit card using Instant Transfer.

    How to update your bank account information

    1. Go to your card info:
      • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
      • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
    2. Tap Bank Account, then tap the bank account you want to update. 
      • To delete your banking information, tap Delete Bank Account Information. Tap again to confirm. After deleting, you can add your bank information again or add different information. 
      • To edit your bank information, tap next to your routing number or account number, add your information, then confirm the numbers and tap Next.6

    After you update your information on one device, it automatically updates on all the devices where you're signed in with your Apple ID.

    About transfer limits

    You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank best home remedies for sunburn skin. You can only transfer your money to a bank account in the United States. There are no fees to transfer your money from Apple Cash to your bank account, unless you use an Instant Transfer.

    Learn about account limits and person to person payment limits.

    How to find your bank account number or routing number

    Your bank account number and routing numbers are easy to find on your checks. If you don't have a check, you can call your bank and ask for this information.

    Check that shows the routing number and account number

    If you didn't receive your transfer

    Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers aren't deposited on bank holidays or the cox com pay bill holidays observed by the Federal Reserve on federalreserve.gov.

    If you don't receive an Instant Transfer after 2 hours, or you don't receive a 1 to 3 business day transfer after 3 business days, contact us.

    If you think that you entered the wrong bank account or routing number, contact us.

    If you can't transfer money

    1. Check for iOS, iPadOS, or watchOS updates.
    2. Make sure that your device is eligible to use with Apple Pay.
    3. Make sure that you have a Wi-Fi or cellular connection.
    4. If you're transferring money to a debit card, make sure it's an eligible debit card.

    After each step, try to transfer money again:

    1. For 1 to 3 business day transactions, make sure that you added an eligible United States bank account and that you entered the correct account and routing numbers. If you enter the wrong numbers, the transfer might go to the wrong account.
    2. Instant transfers require you to use the billing address that matches your selected debit card.
    3. Check the limits. The minimum amount that you can transfer to your bank account is $1. If your balance is less than $1, you can transfer your total balance as an exception to the minimum. The maximum amount that you can transfer per transaction is $10,000.
    4. Make sure you aren't using accents when you enter your name.

    If you still can't transfer money to your bank, you might need to verify your identity.

    1. You must be at least 18 years old and a resident of the United States to send and receive money with Apple Pay or receive the Apple Cash card, unless you're part of Apple Cash Family. These services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
    2. A 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each Instant Transfer.
    3. Account security checks may require additional time to make funds available. Instant Transfers typically post immediately but can take up to 30 minutes.
    4. Only eligible for debit cards issued in the United States. If you aren't sure whether your card is eligible, contact your card issuer.
    5. When you aren't using Instant Transfer, there are no fees to transfer your money from Apple Cash to your bank account.
    6. Enter your bank information carefully. If you enter the wrong information, your money might go to the wrong account and may not be able to be recovered. If you need help, contact us.

    Published Date: 

    Источник: https://support.apple.com/en-us/HT207882

    Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

    Chime Home

    Our debit card works everywhere Visa debit cards are accepted. And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements. Out-of-network cash withdrawal fees apply.

    Saving money is a no-brainer through Blackberry key2 le t mobile online banking. Every time you swipe your debit card, we round up to the nearest dollar and transfer the round-up from your Spending Account straight into your Savings Account. A magical, little way to make your money grow over time.

    Avoid out of network ATM fees. With Chime, you get access to 60,000+ fee-free ATMs—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and what is an account number on a visa debit card. You can also use the map in your Chime app to find the closest fee-free ATM near you.

    Can’t find your Chime debit card? No worries. You can instantly disable transactions in the app. No need to call us or explain yourself. And if you need a replacement card, just let us know. Debit card replacement is always free!

    We support mobile payment platforms including Apple Pay™ and Google Pay™. Combining your Chime debit card with mobile pay means you can leave your wallet at home. 

    • Get fee-free overdraft with SpotMe. Eligibility requirements apply¹
    • Direct deposits arrive up to 2 days early²
    • Grow your savings, automatically
    • Access cash at 60,000+ fee-free ATMs³

    Chime Debit CardDebit Cards 101

    Chime Debit Card

    How do I open a Chime Spending Account and get a Visa® Debit Card?

    Opening a Chime Spending Account what is an account number on a visa debit card free and it takes less than 2 minutes. Here’s how to apply online:

    • Visit chime.com and enter your personal info and complete the enrollment.
    • Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.

    Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit to your Spending Account. You can also login to online banking at chime.com whenever you need it.

    Do I need a credit check to apply for a Chime Spending Account or to get a Chime debit card?

    Chime does not require a credit check to open an account and what is an account number on a visa debit card a Chime debit card.

    Does the Chime debit card have a chip?

    Your Chime Visa Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.

    How many ATMs accept the Chime debit card?

    You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, and Target®.

    Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply. 

    Where will my Chime debit card work?

    Your Chime Visa Debit Card debit card works everywhere Visa debit cards are accepted.

    What if my Chime debit card if lost, stolen, or misplaced?

    If you need a new debit card, tap the “Replace My Card” button in the Card Settings of your Chime app! You will be asked whether your card was Lost, Stolen, or Damaged. After confirming your address a replacement card will arrive within two weeks. Keep an eye out for a green envelope with a Salt Lake City, Utah return address!

    Does Chime offer prepaid debit cards?

    Chime does not offer a prepaid debit card, however, Chime offers a full-featured deposit account that is a great alternative to prepaid cards. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Deposits are FDIC insured to at least $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

    Debit Cards 101

    What is a debit card?

    A debit card is a chase bank mortgage clause address issued by a bank and is used to make in-person and online purchases. It’s linked to your checking account and withdraws money directly.

    Every debit card comes with security and privacy features, including a unique ID number, security code, expiration date, magnetic strip, and often an embedded chip. Some debit cards also have a four-digit pin number that can be used when making purchases for added protection.

    What is the difference between a debit card & a prepaid card?

    The difference between a prepaid card and a debit card can be confusing. Prepaid cards let you spend the money that has been preloaded onto the card, while debit cards draw funds from a linked bank account. Both prepaid cards and debit cards may have limitations and often come with fees. Chime offers a full-featured deposit account and debit card. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Chime accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank and Stride Bank, N.A., Members FDIC.

    What is a chip card?

    Chip cards come with an embedded metal microchip that encrypts customer information by using a one-time code during every purchase to complete the transaction. 

    Can you use a debit card for online purchases?

    Typically debit cards can be used for online purchases with any merchant that accepts the network name on your card.  When you make a purchase online with your debit card, you’ll need to provide the 16-digit card number that’s located on the front or back of your card, the expiration date, and your billing address. You’ll likely also be asked for a CCD, CVV or ‘security code,’ which is a three or four-digit number found on the back of the card.

    Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

    While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

    By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may best business checking accounts for startups from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

    1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and What is an account number on a visa debit card Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

    3 Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location or at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.

    © 2013-2021 Chime. All Rights Reserved.

    Источник: https://www.chime.com/debit-card/

    DNB Debit cards

    Cards and acounts combined, free of bank chargesPluss card
    includes a Visa debit card and a Mastercard (optional) credit card in addition to ordinary banking services for customers over 18 years.
    Silver SAGA
    includes a Visa Gold or Platinum debit card, and a Mastercard Gold or Platinum credit card (optional), for customers with an annual income or deposits/investments above NOK 800 000.
    SAGA Ung
    includes a Visa debit card and a Mastercard (optional) credit card, in addition to free text message services for students aged between 18 and 34.
    Ung My First Card/The Youth Card
    includes a Visa debit card in addition to free text message services for young people aged between 13 and 18.
    IntroDebit Cards, charges applyVisa
    An international debit card giving you access to your money worldwide 24/7.
    Visa The DNB Card
    A debit card which can only be used in Norway and is linked to your current account. The amount of the purchase is debited from your available balance on the same day. Suitable as an extra debit card. The DNB-card DNB Electron
    An international debit card subject to certain limitations to give you more control over your card purchases. DNB Electron
    Источник: https://www.dnb.no/en/personal/internet-banking-mobile-and-card/debit-cards.html

    Payment card number

    Not to be confused with Permanent account number.

    card identifier found on payment cards

    A payment card number, primary account number (PAN), or simply a card number, is the card identifier found on payment cards, such as credit cards and debit cards, as well as stored-value cards, gift cards and other similar cards. In some situations the card number is what is an account number on a visa debit card to as a bank card number. The card number is primarily a card identifier and does not directly identify what is an account number on a visa debit card bank account number/s to which the card is/are linked by the issuing entity. The card number prefix identifies the issuer of the card, and the digits that follow are used what is an account number on a visa debit card the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer's designated bank accounts. In the case of stored-value type cards, the association with a particular customer is only made if the prepaid card is reloadable. Card numbers are allocated in accordance with ISO/IEC 7812. The card number is usually prominently embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may be imprinted on the back of the card.

    The payment card number differs from the Business Identifier Code (BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code or SWIFT code). It also differs from Universal Payment Identification Code, another identifier for a bank account in the United States.

    Structure[edit]

    Payment card numbers are composed of 8 to 19 digits,[1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the "bank identification number (BIN)". The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit. IINs and PANs have a certain level of internal structure and share a common numbering scheme set by ISO/IEC 7812. The parts of the number are as follows:

    1. ^IIN length has been extended to 8-digits in fifth edition of ISO/IEC 7812 published in 2017[2] and PAN will continue to remain variable length, ranging from 10 to 19 digits.

    Issuer identification number (IIN)[edit]

    Partial IIN on a credit card (both printed and embossed)

    The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number's length is its number of digits. Many card issuers print the entire IIN and account number on their card.

    Note that in some circumstances the issuer identification number (IIN) or bank identification number (BIN) may not be what is an account number on a visa debit card directly from the issuing network (such as Mastercard or Visa). Obtaining an IIN/BIN number can be costly, time consuming and demand intensive operational burdens on in-house regulatory and compliance teams. For this reason, some new card programmes may use a 'BIN sponsor', in which case the IIN/BIN number is effectively sub-licensed from a scheme regulated entity. This is known as BIN sponsorship, and is a popular way for financial what is an account number on a visa debit card to fast-track access to market.[4]

    In the United States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims.

    The ISO Register of Issuer Identification Numbers database is managed by the American Bankers Association. ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers.

    Online merchants may use IIN lookups to help validate transactions. For example, if a card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.

    Issuing network IIN ranges Active Length Validation
    American Express34, 37[5]Yes 15[6]Luhn algorithm
    Bankcard[7]5610, 560221–560225 No 16
    China T-Union31 Yes 19
    China UnionPay62 Yes 16–19[8]
    Diners ClubenRouteYes 15 No Validation
    Diners Club International[9]36 Yes 14–19[8]Luhn algorithm
    Diners Club United States & Canada[10]54 Yes 16
    Discover Card6011, 644-649, 65 Yes 16–19[8]
    622126–622925 (China UnionPay co-branded) Yes 16–19[8]
    UkrCard60400100–60420099 Yes 16–19
    RuPay60, 65, 81, 82, 508 Yes 16
    353, 356 (RuPay-JCB co-branded) Yes 16
    InterPayment636 Yes 16–19
    InstaPayment637–639 Yes 16
    JCB3528–3589 Yes 16–19[8]
    Laser6304, 6706, 6771, 6709 No 16–19
    Maestro UK 6759, 676770, 676774[11]Yes 12–19
    Maestro5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 6763 Yes 12–19
    Dankort5019 Yes 16
    4571 (Visa co-branded)[12]Yes 16
    Mir2200–2204 Yes 16–19
    NPS Pridnestrovie6054740–6054744 Yes 16
    Mastercard2221–2720[13]Yes (since 2017)[14]16
    51–55 Yes 16
    Solo6334, 6767 No 16, 18, 19
    Switch4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759 No 16, 18, 19
    Troy65, 9792[15]Yes 16
    Visa4 Yes 13, 16
    Visa Electron4026, 417500, 4508, 4844, 4913, 4917 Yes 16
    UATP1 Yes 15
    Verve506099–506198, 650002–650027 Yes 16, 19 Unknown
    LankaPay 357111 Yes 16
    UzCard8600 Yes 16 Unknown
    Humo9860 Yes 16 Unknown

    On November 8, 2004, MasterCard and Diners Club formed an alliance. Diners Club cards issued in Canada and the United States start with 54 or 55 and are treated as MasterCards worldwide. International cards use the 36 prefix and are treated as MasterCards in Canada and the United States, but are treated as Diners Club cards elsewhere. Diners Club International's website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective October 16, 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card.[16]

    On November 3, 2014, MasterCard announced that they were introducing a new series of BIN ranges that begin with a “2” (222100–272099). The “2” series BINs will be processed the same as the “51–55” series BINs are today. They became active 14 October 2016.

    On July 23, 2014 JSC NSPK was established in the Russian Federation. The joint stock company National System of Payment Cards (NSPK) is the operator of the Mir National Payment System. The td bank business customer service number initiatives of NSPK are to create the national payment system infrastructure and to issue a national payment card Mir.

    Effective October 1, 2006, Discover began using the entire 65 prefix, not just 650. Also, similar to the MasterCard/Diners agreement, China UnionPay cards are now treated as Discover cards and accepted on the Discover network.

    While the vast majority of Visa's account ranges describe 16 digit card numbers there are still a few account ranges (forty as of 11 December 2013) dedicated to 13 digit PANs and several (439 as of 11 Dec. 2013) account ranges where the issuer can mix 13 and 16 digit card numbers. Visa's VPay brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen.

    Switch what is an account number on a visa debit card re-branded as Maestro in mid-2007.[17] In 2011, UK domestic Maestro (formerly Switch) was aligned with the standard international Maestro proposition with the retention of a few residual country specific rules.

    EMV Certification requires acceptance of a 19-digit Visa card (ADVT 6.1.1 Test Case 2) and Discover Card (E2E Test Plan v1.3, Test Case 06).

    Canadian bank card numbering[edit]

    Bank card numbers issued by Canadian banks also follow a pattern for their systems:

    Security measures[edit]

    To reduce the risk of credit card fraud, various techniques are used to prevent the dissemination of bank card numbers. These include:

    • Format-preserving encryption: in which the account number is replaced with a strongly encrypted version which retains the format of the card data including non sensitive parts of the field such as first six and last four digits. This permits data field protection without changing payment IT systems and applications. A common use is for protecting card data from the point of capture in a secure reader to the payment processing host end-to-end to mitigate risk of data compromise in systems such as the Point of Sale (POS). AES-FF1 Format-Preserving Encryption is defined in NIST Specification SP800-38G.
    • PAN truncation: in which only some of the digits on a card are displayed or printed on receipts. The PCI DSS standard dictates that only the first six and last four digits of the PAN may be printed on a receipt or displayed in cases other than where a business need requires the full PAN. US federal law (FACTA) allows only the display of the last 5 digits. In order to comply with both PCI DSS requirements and US federal law, generally only the last four digits are provided elsewhere to allow an individual to identify the card used.
    • Tokenization: in which an artificial account number (token) is printed, stored or transmitted in place of the true account number.

    References[edit]

    Источник: https://en.wikipedia.org/wiki/Payment_card_number

    Visa Debit Card

    Visa Debit Cards offer you a fast and secure way of transacting and paying for goods and services. Use your PIN to authenticate any transaction.  If you hold an Equity Bank account, you may get one from any Equity Bank branch countrywide.

    9 Reasons Why You Should Get a Visa Debit Card

    1. It allows you to make an easy purchase at outlets such as supermarkets, restaurants and petrol stations.
    2. Our Visa branded cards are internationally accepted for purchases at shops or outlets and websites that accept Visa, as well as for cash withdrawal at ATMs that accept Visa.
    3. You can withdraw money from ATMs and Point of Sale machines.
    4. You can deposit cash into your account through agents and ATM machines.
    5. You can now pay your utility bills such as electricity, phone bill, water and DSTV, through the ATM machine using the Visa Debit Card.
    6. You can now buy airtime for all networks through the ATM using your Visa Debit Card.
    7. Using your Visa Debit Card, you may access your temporary overdraft facility.
    8. You may access your account information using your Visa Debit Card.
    9. Enjoy automatic foreign currency conversion while transacting internationally with your Visa Debit Card.
    • To get a Visa Debit Card simply open an Equity Bank Account and get one instantly. 

    • What You Require to Get Visa Debit Cards

      To get a Visa Debit Cards simply open an Equity west valley college summer courses Bank Account and get one instantly.

    • Debit Cards opening application form

    Источник: https://equitygroupholdings.com/ke/pay-send-money/debit-cards

    youtube video

    How can I know my account number from ATM card?

    What is an account number on a visa debit card -

    DNB Debit cards

    Cards and acounts combined, free of bank chargesPluss card
    includes a Visa debit card and a Mastercard (optional) credit card in addition to ordinary banking services for customers over 18 years.
    Silver SAGA
    includes a Visa Gold or Platinum debit card, and a Mastercard Gold or Platinum credit card (optional), for customers with an annual income or deposits/investments above NOK 800 000.
    SAGA Ung
    includes a Visa debit card and a Mastercard (optional) credit card, in addition to free text message services for students aged between 18 and 34.
    Ung My First Card/The Youth Card
    includes a Visa debit card in addition to free text message services for young people aged between 13 and 18.
    IntroDebit Cards, charges applyVisa
    An international debit card giving you access to your money worldwide 24/7.
    Visa The DNB Card
    A debit card which can only be used in Norway and is linked to your current account. The amount of the purchase is debited from your available balance on the same day. Suitable as an extra debit card. The DNB-card DNB Electron
    An international debit card subject to certain limitations to give you more control over your card purchases. DNB Electron
    Источник: https://www.dnb.no/en/personal/internet-banking-mobile-and-card/debit-cards.html

    Features & Functions of our Debit Card

    Back of the Debit Card

    Suits Me Premium Plus back of card with features

    5. Card Holder Name

    This is the name of the person that the debit card belongs to.

    This isn’t always the name of the account holder. For example, if you have Suits Me account, you can also authorise someone to have a debit card in their own name that’s linked to your account.

    6. Expiry Date

    The ‘Expiry Date’, often labelled as ‘Expires End’ is the date at when your card expires.

    When your Suits Me card is due to expire, you will receive a new one free of charge before the expiry date. If the card is due to expire at the end of a month, your new card will be issued at the beginning of that month. If the card is due to expire at the beginning of the month, a new card will be issued to you the month before the expiry date.

    7. Account Number

    An ‘Account Number’ is an eight-digit number that is linked to your account.

    An account number is required when transferring money into an account, including your wages. To have your wages paid into your account, you’ll need to provide your employer with your account number and sort code.

    8. Signature Strip

    The signature strip is for you to add your signature to prior to using the debit card.

    This is a security feature as some payments may require you to sign upon making a payment. In this case, the merchant will compare the signature on the strip to the signature you use upon payment to verify that they match. The majority of merchants won’t accept a debit card as a payment method that hasn’t been signed.

    9. Magnetic Strip

    The black colour strip contains secure information about you, your account and card. Only card readers can gather and read the information safely stored within the magnetic strips.

    10. PayPoint Logo

    Add cash to your Suits Me Account quickly and easily using PayPoint. Visit your nearest PayPoint store with your Suits Me debit card and the cash that you wish to load onto your account. Using this service will add the cash into your account instantly.

    Paypoint has over 28,000 locations across the UK, and you can usually find them within high street convenience stores and off-licenses.

    Find Your Nearest PayPoint Location here.

    11. Card Number

    One of the most important parts of a debit card and often referred to as ‘the long card number’ (and also known as a Permanent Account Number or PAN), the card number consists of 16 digits in sections of four, for example, 1234  5678  9876  5432 and is required when making a purchase over the phone or online.

    Safety Tip: Keep your card number safe and private, don’t type it into an email or take a picture of it.

    12. Sort Code

    A ‘Sort Code’ is a six-digit number that identifies your bank, building society or alternative banking solution. The number is usually split up into pairs, for example; 12-34-56 and is linked to your account.

    At Suits Me, we have two sort-codes: 62-30-53 and 60-83-70 – If you’re a Suits Me customer, your sort code will be one of these.

    A sort code is required when transferring money into an account, including your wages. To have your wages paid into your account, you’ll need to provide your employer with your sort code and account number.

    13. Contact Details

    On Suits Me debit cards, these are our contact details so you always have them to hand when needed. However, we do recommend you store our contact numbers safely in your phone in case your card becomes lost or stolen. Our contact details can be found in many other easy to access places including the Contact Us page on our website, within the mobile banking app and your online banking account.

    14. CVV/CVC 3-Digit Code

    Also known as the ‘security code’, ‘CV2’ or ‘last three digits on the back of the card’, this code is unique to you and your debit card. These three digits ensure that your card is legitimate and is required when making a payment online or over the phone.

    15. Hologram

    A hologram on a card is a small, silver-coloured mirror-like section with a 3D image. This is another security feature of bank cards (including debit cards, credit cards and prepaid cards) and allows merchants to spot the difference between a real bank card and a fake bank card.

    Useful Information

    Источник: https://suitsmecard.com/help/managing-your-card/debit-card-features-and-functions

    Visa Debit Card

    Visa Debit Card annual fee

    What you’ll pay to have your Visa Debit Card

    • $10 per card per annum (waived for the first year of the first card)

    Visa Debit Card cash advance fee

    When you use your Visa Debit Card to withdraw cash over the counter at another bank or financial institution

    Visa Debit Card replacement fee

    When you ask for a replacement Visa Debit Card:

    • $15 for standard delivery within New Zealand
    • $20 for urgent delivery within New Zealand
    • $20 for standard international delivery
    • $50 for urgent international delivery

    Visa Debit Card disputed transaction fee

    When you dispute a transaction made using your Visa Debit Card

    • $15 per transaction receipt requested

    An investigation fee may also apply.

    Overseas ATM balance enquiry fee

    When you use your Visa Debit Card to make an ATM balance enquiry at an overseas ATM

    Overseas ATM cash withdrawal fee

    When you use your Visa Debit Card to withdraw cash at an overseas ATM

    Overseas currency conversion commission

    When you use your ATM/EFTPOS card or Visa Debit Card for a foreign currency transaction.

    • 2.5% of the New Zealand dollar amount once converted.
    Источник: https://www.kiwibank.co.nz/business-banking/accounts-cards/everyday-accounts/visa-debit-card/

    Your Debit Mastercard

    Although we will try our best to update your regular payments and saved card details, we can’t guarantee that we can do this for them all. If your current Visa debit card is registered with any third-party companies that take recurring payments, we recommend you contact them to update them with your new Mastercard details. To help with this, look through recent card statements and transactions.

     

    You might also want to check for the following common examples:

    Mobile phone companies – EE, Orange, Vodafone, Three

    Power companies – British Gas, EDF Energy, E.ON

    Insurance companies – Aviva, Direct Line Group, AXA

    Holiday bookings – booking.com, AirBnB, airlines e.g. airport parking bookings Online shopping sites – Groupon, TicketMaster, eBay, AppStore, Apple Music

    TV and music subscriptions – Netflix, SkyTV, Spotify

    Food deliveries – Deliveroo, Uber Eats, HelloFresh

    Fitness and gym subscriptions – Les Mills, David Lloyd Leisure Ltd, Nuffield Health Ride sharing apps – Uber, Addison Lee, Kapten Buy Now Pay Later – Klarna, Clearpay, PayL8r

    Charitable donations – Macmillan Cancer Support, The British Red Cross Society, RSPCA

    Источник: https://www1.firstdirect.com/help/bank-accounts/debit-card/mastercard/

    Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

    Chime Home

    Our debit card works everywhere Visa debit cards are accepted. And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements. Out-of-network cash withdrawal fees apply.

    Saving money is a no-brainer through Chime online banking. Every time you swipe your debit card, we round up to the nearest dollar and transfer the round-up from your Spending Account straight into your Savings Account. A magical, little way to make your money grow over time.

    Avoid out of network ATM fees. With Chime, you get access to 60,000+ fee-free ATMs—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and 7-Eleven®. You can also use the map in your Chime app to find the closest fee-free ATM near you.

    Can’t find your Chime debit card? No worries. You can instantly disable transactions in the app. No need to call us or explain yourself. And if you need a replacement card, just let us know. Debit card replacement is always free!

    We support mobile payment platforms including Apple Pay™ and Google Pay™. Combining your Chime debit card with mobile pay means you can leave your wallet at home. 

    • Get fee-free overdraft with SpotMe. Eligibility requirements apply¹
    • Direct deposits arrive up to 2 days early²
    • Grow your savings, automatically
    • Access cash at 60,000+ fee-free ATMs³

    Chime Debit CardDebit Cards 101

    Chime Debit Card

    How do I open a Chime Spending Account and get a Visa® Debit Card?

    Opening a Chime Spending Account is free and it takes less than 2 minutes. Here’s how to apply online:

    • Visit chime.com and enter your personal info and complete the enrollment.
    • Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.

    Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit to your Spending Account. You can also login to online banking at chime.com whenever you need it.

    Do I need a credit check to apply for a Chime Spending Account or to get a Chime debit card?

    Chime does not require a credit check to open an account and receive a Chime debit card.

    Does the Chime debit card have a chip?

    Your Chime Visa Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.

    How many ATMs accept the Chime debit card?

    You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, and Target®.

    Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply. 

    Where will my Chime debit card work?

    Your Chime Visa Debit Card debit card works everywhere Visa debit cards are accepted.

    What if my Chime debit card if lost, stolen, or misplaced?

    If you need a new debit card, tap the “Replace My Card” button in the Card Settings of your Chime app! You will be asked whether your card was Lost, Stolen, or Damaged. After confirming your address a replacement card will arrive within two weeks. Keep an eye out for a green envelope with a Salt Lake City, Utah return address!

    Does Chime offer prepaid debit cards?

    Chime does not offer a prepaid debit card, however, Chime offers a full-featured deposit account that is a great alternative to prepaid cards. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Deposits are FDIC insured to at least $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

    Debit Cards 101

    What is a debit card?

    A debit card is a card issued by a bank and is used to make in-person and online purchases. It’s linked to your checking account and withdraws money directly.

    Every debit card comes with security and privacy features, including a unique ID number, security code, expiration date, magnetic strip, and often an embedded chip. Some debit cards also have a four-digit pin number that can be used when making purchases for added protection.

    What is the difference between a debit card & a prepaid card?

    The difference between a prepaid card and a debit card can be confusing. Prepaid cards let you spend the money that has been preloaded onto the card, while debit cards draw funds from a linked bank account. Both prepaid cards and debit cards may have limitations and often come with fees. Chime offers a full-featured deposit account and debit card. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Chime accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank and Stride Bank, N.A., Members FDIC.

    What is a chip card?

    Chip cards come with an embedded metal microchip that encrypts customer information by using a one-time code during every purchase to complete the transaction. 

    Can you use a debit card for online purchases?

    Typically debit cards can be used for online purchases with any merchant that accepts the network name on your card.  When you make a purchase online with your debit card, you’ll need to provide the 16-digit card number that’s located on the front or back of your card, the expiration date, and your billing address. You’ll likely also be asked for a CCD, CVV or ‘security code,’ which is a three or four-digit number found on the back of the card.

    Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

    While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

    By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

    1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

    2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

    3 Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location or at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.

    © 2013-2021 Chime. All Rights Reserved.

    Источник: https://www.chime.com/debit-card/

    Payment card number

    Not to be confused with Permanent account number.

    card identifier found on payment cards

    A payment card number, primary account number (PAN), or simply a card number, is the card identifier found on payment cards, such as credit cards and debit cards, as well as stored-value cards, gift cards and other similar cards. In some situations the card number is referred to as a bank card number. The card number is primarily a card identifier and does not directly identify the bank account number/s to which the card is/are linked by the issuing entity. The card number prefix identifies the issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer's designated bank accounts. In the case of stored-value type cards, the association with a particular customer is only made if the prepaid card is reloadable. Card numbers are allocated in accordance with ISO/IEC 7812. The card number is usually prominently embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may be imprinted on the back of the card.

    The payment card number differs from the Business Identifier Code (BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code or SWIFT code). It also differs from Universal Payment Identification Code, another identifier for a bank account in the United States.

    Structure[edit]

    Payment card numbers are composed of 8 to 19 digits,[1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the "bank identification number (BIN)". The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit. IINs and PANs have a certain level of internal structure and share a common numbering scheme set by ISO/IEC 7812. The parts of the number are as follows:

    1. ^IIN length has been extended to 8-digits in fifth edition of ISO/IEC 7812 published in 2017[2] and PAN will continue to remain variable length, ranging from 10 to 19 digits.

    Issuer identification number (IIN)[edit]

    Partial IIN on a credit card (both printed and embossed)

    The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number's length is its number of digits. Many card issuers print the entire IIN and account number on their card.

    Note that in some circumstances the issuer identification number (IIN) or bank identification number (BIN) may not be licensed directly from the issuing network (such as Mastercard or Visa). Obtaining an IIN/BIN number can be costly, time consuming and demand intensive operational burdens on in-house regulatory and compliance teams. For this reason, some new card programmes may use a 'BIN sponsor', in which case the IIN/BIN number is effectively sub-licensed from a scheme regulated entity. This is known as BIN sponsorship, and is a popular way for financial institutions to fast-track access to market.[4]

    In the United States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims.

    The ISO Register of Issuer Identification Numbers database is managed by the American Bankers Association. ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers.

    Online merchants may use IIN lookups to help validate transactions. For example, if a card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.

    Issuing network IIN ranges Active Length Validation
    American Express34, 37[5]Yes 15[6]Luhn algorithm
    Bankcard[7]5610, 560221–560225 No 16
    China T-Union31 Yes 19
    China UnionPay62 Yes 16–19[8]
    Diners ClubenRouteYes 15 No Validation
    Diners Club International[9]36 Yes 14–19[8]Luhn algorithm
    Diners Club United States & Canada[10]54 Yes 16
    Discover Card6011, 644-649, 65 Yes 16–19[8]
    622126–622925 (China UnionPay co-branded) Yes 16–19[8]
    UkrCard60400100–60420099 Yes 16–19
    RuPay60, 65, 81, 82, 508 Yes 16
    353, 356 (RuPay-JCB co-branded) Yes 16
    InterPayment636 Yes 16–19
    InstaPayment637–639 Yes 16
    JCB3528–3589 Yes 16–19[8]
    Laser6304, 6706, 6771, 6709 No 16–19
    Maestro UK 6759, 676770, 676774[11]Yes 12–19
    Maestro5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 6763 Yes 12–19
    Dankort5019 Yes 16
    4571 (Visa co-branded)[12]Yes 16
    Mir2200–2204 Yes 16–19
    NPS Pridnestrovie6054740–6054744 Yes 16
    Mastercard2221–2720[13]Yes (since 2017)[14]16
    51–55 Yes 16
    Solo6334, 6767 No 16, 18, 19
    Switch4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759 No 16, 18, 19
    Troy65, 9792[15]Yes 16
    Visa4 Yes 13, 16
    Visa Electron4026, 417500, 4508, 4844, 4913, 4917 Yes 16
    UATP1 Yes 15
    Verve506099–506198, 650002–650027 Yes 16, 19 Unknown
    LankaPay 357111 Yes 16
    UzCard8600 Yes 16 Unknown
    Humo9860 Yes 16 Unknown

    On November 8, 2004, MasterCard and Diners Club formed an alliance. Diners Club cards issued in Canada and the United States start with 54 or 55 and are treated as MasterCards worldwide. International cards use the 36 prefix and are treated as MasterCards in Canada and the United States, but are treated as Diners Club cards elsewhere. Diners Club International's website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective October 16, 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card.[16]

    On November 3, 2014, MasterCard announced that they were introducing a new series of BIN ranges that begin with a “2” (222100–272099). The “2” series BINs will be processed the same as the “51–55” series BINs are today. They became active 14 October 2016.

    On July 23, 2014 JSC NSPK was established in the Russian Federation. The joint stock company National System of Payment Cards (NSPK) is the operator of the Mir National Payment System. The main initiatives of NSPK are to create the national payment system infrastructure and to issue a national payment card Mir.

    Effective October 1, 2006, Discover began using the entire 65 prefix, not just 650. Also, similar to the MasterCard/Diners agreement, China UnionPay cards are now treated as Discover cards and accepted on the Discover network.

    While the vast majority of Visa's account ranges describe 16 digit card numbers there are still a few account ranges (forty as of 11 December 2013) dedicated to 13 digit PANs and several (439 as of 11 Dec. 2013) account ranges where the issuer can mix 13 and 16 digit card numbers. Visa's VPay brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen.

    Switch was re-branded as Maestro in mid-2007.[17] In 2011, UK domestic Maestro (formerly Switch) was aligned with the standard international Maestro proposition with the retention of a few residual country specific rules.

    EMV Certification requires acceptance of a 19-digit Visa card (ADVT 6.1.1 Test Case 2) and Discover Card (E2E Test Plan v1.3, Test Case 06).

    Canadian bank card numbering[edit]

    Bank card numbers issued by Canadian banks also follow a pattern for their systems:

    Security measures[edit]

    To reduce the risk of credit card fraud, various techniques are used to prevent the dissemination of bank card numbers. These include:

    • Format-preserving encryption: in which the account number is replaced with a strongly encrypted version which retains the format of the card data including non sensitive parts of the field such as first six and last four digits. This permits data field protection without changing payment IT systems and applications. A common use is for protecting card data from the point of capture in a secure reader to the payment processing host end-to-end to mitigate risk of data compromise in systems such as the Point of Sale (POS). AES-FF1 Format-Preserving Encryption is defined in NIST Specification SP800-38G.
    • PAN truncation: in which only some of the digits on a card are displayed or printed on receipts. The PCI DSS standard dictates that only the first six and last four digits of the PAN may be printed on a receipt or displayed in cases other than where a business need requires the full PAN. US federal law (FACTA) allows only the display of the last 5 digits. In order to comply with both PCI DSS requirements and US federal law, generally only the last four digits are provided elsewhere to allow an individual to identify the card used.
    • Tokenization: in which an artificial account number (token) is printed, stored or transmitted in place of the true account number.

    References[edit]

    Источник: https://en.wikipedia.org/wiki/Payment_card_number

    The CVV Number ("Card Verification Value") on your credit card or debit card is a 3 digit number on VISA®, MasterCard® and Discover® branded credit and debit cards. On your American Express® branded credit or debit card it is a 4 digit numeric code.

    Your CVV number can be located by looking on your credit or debit card, as illustrated in the image below:

    CVV Number

    Providing your CVV number to an online merchant proves that you actually have the physical credit or debit card - and helps to keep you safe while reducing fraud.

    CVV numbers are NOT your card's secret PIN (Personal Identification Number).

    You should never enter your PIN number when asked to provide your CVV. (PIN numbers allow you to use your credit or debit card at an ATM or when making an in-person purchase with your debit card or a cash advance with any credit card.)

    CVV numbers are also known as CSC numbers ("Card Security Code"), as well as CVV2 numbers, which are the same as CVV numbers, except that they have been generated by a 2nd generation process that makes them harder to "guess".



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    Источник: https://www.cvvnumber.com/
    what is an account number on a visa debit card
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