Chip & PIN Technology
UNM has initiated the transition from magnetic stripe PCard to a Chip & PIN PCard in order to comply with future industry updates. Chip cards provide an additional layer of protection against fraud as the transaction is uniquely encoded 100% of the time. The PIN provides even more protection against lost/stolen card fraud.
The new Chip & PIN card will be issued to new Cardholders or when a card is reissued due to expiration or Lost/Stolen status. Cardholders will continue to pick up the new/replacement cards from the PCard Office but the PIN will be mailed directly to the Cardholder’s Campus address. The PIN is assigned by Bank of America and cannot be customized at this time.
If a PIN is not received or is forgotten, Cardholders can retrieve the PIN online at any time by visiting Bank of America Merrill Lynch’s Secure PIN Check website. One time registration is required. Verification ID or Activation ID is required for registration (this is 5 zeros followed by the last 4 digits of the Cardholder’s UNM Banner Id). If you don’t have access to the internet, you may contact Bank of America Customer Service through the number on the back of the card and you may request a PIN reminder mailer. The bank cannot provide PINs over the telephone. Please be sure to review the Chip & PIN brochure that will be provided with your card. This brochure highlights how the PIN works, how to access the online PIN Check website, and the differences between a PIN for a Chip & PIN card and a magnetic Stripe PIN.
Your Guide to Chip & PIN Technology
Bank of America
Welcome to Chip & PIN
Chip & PIN technology supplements the magnetic stripe on your card. As you travel, you will find that Chip terminals are becoming more common and require the use of a Chip-enabled card. When completing a purchase at a Chip-enabled terminal, you will be prompted enter a PIN rather than provide a signature. If you are not prompted for a PIN a signature will be required. This card provides an additional security feature, convenience and greater card acceptance at point-of-sale terminals across the globe.
How Do I Get Started?
Your card is issued with a 4-digit PIN (Personal Identification Number). For convenient access to your PIN, visit the Online PIN Check website. One-time registration is required at this site.
Registration for Online PIN Check requires your 16-digit account number, 3-digit security code on the back of the card, name on the card, expiration date, and verification ID used when activating your card. Call the number on the back of your card if you need help with any of the required information.
This card also has a magnetic stripe so that it can be used at any terminal when traveling throughout the world, where a magnetic is the technology used by the merchant for card acceptance.
Destroy your old card and begin using this new card for all future transactions.
Important PIN Information
It is important to remember your PIN and not to share it with others. At present, the PIN cannot be changed. Entering the wrong PIN four consecutive times at a merchant will block completion of the Chip & PIN transaction and all subsequent attempts. If you have an existing PIN for cash access for your magnetic stripe card today, this same PIN will be used for your Chip card transaction.
The PIN will not automatically grant cash access if your company policy does not allow it.
Frequently Asked Questions
What if I get my PIN wrong?
You have four consecutive attempts to enter the PIN correctly. On the fourth failed attempt, the chip will be blocked (although the magnetic stripe will continue to work) and you will need to contact customer service for assistance.
What if I forget my PIN?
You can retrieve a forgotten PIN online at any time by visiting the secure Online PIN Check website.
If you do not have access to the internet, please contact customer service through the number on the back of your card and request a PIN reminder mailer. We cannot provide your PIN over the telephone.
What if I lose my card?
Call customer service at 1.888.449.2273 in U.S., 1.800.300.3084 in Canada and 602.379.8753 collect outside the U.S. and Canada to request a replacement card.
How do I use the new card at a Chip & PIN terminal?
- When asked by the merchant, insert the card into the point of sale terminal.
- The screen will display the total sum of the purchase. You may add gratuity to the total.
- The screen will prompt you for your PIN.
- The terminal will prompt you to remove the card and will produce a receipt as normal. Keep this receipt to check against your statement and use with your expense claim.
When making purchases at locations equipped with Chip terminals, you will rarely hand your card to the merchant. Often, Chip terminals are presented to you via handheld devices or a keypad at point-of-sale.
Tips for Protecting Your Card
- Memorize your PIN.
- Do not write your PIN anywhere.
- Do not provide your PIN to anyone.
- We will never ask you for your PIN via email or through a website. If you are asked to provide your PIN, decline and call customer service.
- Cover the keypad when entering your PIN into the point of sale terminal.