MasterCard Help Center

Mastercard Help Center

With your new EMV chip-enabled UNCLE Mastercard card you will enjoy enhanced benefits and increased security. If you have received your new UNCLE Mastercard debit or credit card and haven't activated it yet, please activate it today – we will deactivate remaining UNCLE Visa cards soon.

Check out the information below to learn about card activation, our UNCLE Rewards Program, and other FAQs.

 

Card Activation

If you are currently an UNCLE Visa Debit or Credit Card holder, you will be receiving a new EMV chip-enabled Mastercard this spring. We will be here every step of the way to answer any questions you may have regarding our enhanced debit and credit card program.

We want you to have quick, easy, and secure card activation so we have provided you with some important tips and steps to follow.

To activate your new Mastercard, simply:

  1. CALL 800-466-0040 from the phone number in our records to activate your new Mastercard OR activate your new card at an ATM or Merchant POS.
  2. SIGN the back of your new Mastercard.
  3. CUT UP and discard your old Visa® card.
  4. PROVIDE your new card number to any companies that automatically bill your card.
  5. USE your new PIN when shopping at merchants with chip card terminals.

Have card activation questions? Please see our FAQs.

 

Your New Card

Your new Mastercard is the fast and secure way to pay for everyday purchases anywhere Mastercard is accepted around the globe–while offering you the purchasing convenience and protection you expect and the benefits you deserve.

Protection
Your new Mastercard offers you the highest protection at the point of purchase with EMV chip and PIN technology. Learn more about EMV and see how to make a purchase using an EMV chip–enabled card reader.

Access
Mastercard is accepted at 36 million locations worldwide. So you’ll have great access during your travels, and you’ll still be able to use nearly 30,000 CO–OP network ATMs nationwide, surcharge free.

Benefits
Whether you’re in the neighborhood or a thousand miles from home, your Mastercard comes with a whole host of benefits that vary by card type.

Convenience
Mastercard’s leading–edge payment technology supports most digital wallets, including Apple Pay and Samsung Pay.

Mastercard SecureCode®
Mastercard SecureCode adds an extra layer of protection for your card when you shop online at select sites. You may be asked for your SecureCode at checkout – to ensure that it’s you using your card.

Benefits

Benefits at-a-glance Your Existing Visa Card Your New Mastercard
Enjoy added security and convenience with your new UNCLE Mastercard card.
UNCLE Choice Rewards Program
You earn 1 point for every $1.00 you spend using your UNCLE Choice Rewards Mastercard. You can also earn bonus points when you shop through ShoppingFLING and Shop Main Street! The more points you earn, the more reward choices you have!
Worldwide acceptance at over 36 million places
Debit card purchases are deducted from checking
Cash access at ATMs worldwide
Zero Liability Protection
You don’t have to worry when you use your Mastercard because it’s covered by Zero Liability protection, whether you pay in-store, online, or over the phone. As a Mastercard cardholder, you’re not responsible in the event that someone makes unauthorized purchases with your card. Certain conditions and exceptions apply. †
Mastercard Global Service™
Provides 24 hours a day, 7 days a week member service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advances, as well as assistance with locating ATMs.
 
Identity Theft Resolution Services  
Mastercard Airport Concierge™  
Chip Technology
Improves the global usability and security of your card as more merchants at home and abroad switch to advanced chip card terminals.
 
Extended Warranty
Doubles most manufacturer or U.S. store brand warranties for up to one additional year.
 
Price Protection
Reimburses you the price difference on eligible items should you find a lower advertised price within 60 to 120 days from the date of purchase (depending on card type) when you pay with your Mastercard.
 
Satisfaction Guarantee
Provides up to $250 per product if you become dissatisfied with the product within 60 to 120 days of purchase (depending on card type) and the merchant will not accept the return.
 
Mastercard Priceless® Cities
Get insider access to one-of-a-kind experiences and offers in some of the world’s most exciting cities.
 
Mastercard SecureCode
An online mechanism that validates cardholder identity during
card-not-present (CNP) transactions.
 

 

Why Mastercard

UNCLE Has Partnered With Mastercard To Offer Our Members The Highest Level Of Security With More Benefits!

Safety and security are at the core of what UNCLE and Mastercard do together. A wide range of safety and security benefits including Zero Liability and Mastercard ID Theft Protection are part of your new Mastercard card benefits. Mastercard is the only payment brand that provides U.S. cardholders with resolution services—at no extra cost—to help you detect and resolve identity theft.

Mastercard offers more benefits to UNCLE members and is accepted at over 36 million locations worldwide. Not only does Mastercard offer benefits that can save you money, like Mastercard’s Price Guarantee, but they can also protect you with services like SecureCode and Resolution Support.

Your new Mastercard can be used at any EMV chip-enabled terminal or you can swipe it to make purchases at a swipe only terminal. You will still have surcharge-free access to CO-OP’s 30,000 + ATMS and 5,000+ Shared Branch locations, giving you access to your money nationwide.

 

EMV Chip Cards Are Easy To Use

Your UNCLE Mastercard has an embedded microchip that provides an extra layer of security with every transaction you make. That means, regardless of what type of terminal a merchant has, you’ll be able to use your card anywhere Mastercard is accepted.

At retailers with chip-enabled terminals. The terminal will instruct you to insert and follow the prompts.

  1. Insert your card with the chip towards the terminal, facing up. Do not remove until prompted.
  2. Provide your signature or PIN as prompted by the terminal.
  3. When the terminal says that the transaction is complete, remove your card.

  

At retailers without chip terminals - Swipe your card and proceed as you normally would.

Over the phone or online - Provide your card information the way you always have when you’re ready to make a purchase.

 

FAQs

EMV Chip Cards:

What are EMV chip cards?

The chip contains your card number, name, and other account information. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.

What are the benefits of EMV chip technology?

The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

Why is my card being upgraded to an EMV chip card?

EMV Chip technology is already used in other countries and relatively new in the U.S. Your new chip card provides an extra level of security and is easier to use at international locations.

How is this card different from a magnetic stripe card?

An EMV chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction.

How does EMV chip technology work?

Every transaction with a chip card has unique data in it. Chip transactions are dynamic, not static like magnetic stripe cards. That is why if someone were able to intercept one of your chip transactions they would not be able to use that information again. This stops fraudsters from being able to create counterfeit chip cards.

Are EMV chip cards new?

Although EMV chip cards are relatively new in the U.S., they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.

Where can I use my EMV chip card?

Use your EMV chip card at the exact same merchants you do now—by inserting the card into card terminals that are chip enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.

Will My PIN number Change?

Yes, your current PIN number will be changing, however new ones can be selected after receipt of a PIN Mailer with instructions included.

Why is UNCLE Moving to Mastercard?

Why Mastercard?

Mastercard offers more benefits to our members and is accepted at over 36 million locations worldwide. Not only does Mastercard offer benefits that can save our members money, like Mastercard’s Price Guarantee, but they can also protect our members with services like Identity Theft Alerts and Resolution Support.

Why is UNCLE replacing my Visa card?

We are adding chip technology to your card and have partnered with Mastercard to improve your card benefits, at no cost to you.

Why is UNCLE moving to microchip technology in their debit and credit cards?

We are moving to chip technology because it provides more security and ease of use in other countries. We expect chip technology to become the standard in the United States.

Why are chip cards safer?

The embedded chip in your new card generates a unique one-time code required to approve each transaction. The dynamic code makes it virtually impossible for fraudsters to copy or counterfeit your card. While magnetic strip cards offer protection from unauthorized use of your card or account information, chip offers a new layer of security.

Where can I use my new Mastercard?

The card can be used at a chip-enabled terminal or you can swipe it to make purchases at a swipe only terminal. You can use your new card at over 36 million locations around the world; including department stores, restaurants, airlines, hotels, supermarkets, gas stations, internet merchants, and over two million ATMs.

Can I still get surcharge-free access at CO-OP Network ATMs with my new Mastercard?

Yes! With CO-OP’s 30,000 + ATMS and 5,000+ Shared Branch locations, you have surcharge-free access to your money nationwide.

Will my credit card benefits remain the same?

Yes, all UNCLE credit card holders will continue to enjoy:
1)Zero Liability Protection for unauthorized purchases
2) No annual fee
3) The same low interest
4) Worldwide acceptance at over 36 million locations.

What new services do Mastercard Credit Cards provide?

In addition to the great benefits you enjoy today with your UNCLE credit card, as soon as you active your new Mastercard, you will have immediate access to Mastercard’s Identity Theft Resolution Services, Mastercard Global Service, Mastercard Airport Concierge, Price Protection, Extended Warranty, Mastercard Priceless®Cities, and Mastercard SecureCode.

What new services do Mastercard Debit Cards provide?

In addition to the great benefits you enjoy today with your UNCLE debit card, as soon as you active your new Mastercard debit card you will have immediate access to Mastercard’s Identity Theft Resolution Services, Mastercard Global Service, Mastercard Airport Concierge, Price Protection, Satisfaction Guarantee, Extended Warranty,Mastercard Priceless®Cities, and Mastercard SecureCode.

What will happen to my existing Visa Choice Rewards points?

There will be no impact to the Choice Rewards program or your Rewards account. You will continue to accrue points as normal. Your login information will remain the same.

Simply login https://www.rewardsnow.com/UNCLEChoiceRewards/, review your points balance and redeem rewards at your convenience.