Contactless Credit Cards From Freedom!

Your new Freedom Visa credit card will include Contactless tap-and-go technology. A Contactless credit card allows you to complete a transaction without physical contact between your card and the contactless-enabled checkout terminal. You simply hold your contactless card close to the terminal and payment account information is transmitted wirelessly for authorization.

Freedom continuously looks for ways to improve our technology and security processes to serve our members better. The new credit cards are a result of this continuous improvement process.

The new credit cards will feature a brand new, simple, clean design that we hope you will like and be proud to use.

The new credit cards will be mailed out starting September 27, 2021.  Please allow 7-10 business days to receive your new card. A separate PIN mailer will also be sent to you. Once you receive your new card, please activate it immediately and sign the back.

If you do not receive a new credit card, and believe you should have, please contact us at 800-440-4120.

Any Freedom member who has a current Freedom credit card that is Active in Freedom’s system as of September 26, 2021 will be getting a brand new card. Anyone who is 60+ days delinquent on their Visa will NOT receive a new card.

All non-business members will have new card numbers. Business members will maintain their existing card number, however the expiration and CVV will change.

If you have any automatic recurring payments attached to your current Freedom credit card, please remember to update your card information anywhere it is stored (Netflix, iTunes, Amazon, etc.).

In addition to receiving your new card, you will separately receive a PIN mailer, that has an assigned PIN for your new card. You can use the assigned PIN, or choose to set your own by calling 888-886-0083.

The PIN you were using on your old credit card will NOT carry over to the new credit card.  You can set it to be the same as your previous PIN, however you will need to actively set it again.

Please note you MUST set a new PIN for the new credit card to use it for pin-based transactions.

In order to take advantage of all the increased security features that the new Visa Contactless credit cards provide our members, your current credit card will be turned off and unusable after October 25, 2021.  We encourage you to activate your new credit card as soon as you receive it, and destroy your existing card at that time

Members are asked to follow three simple steps when you receive your new card in the mail:

1. Activate your new card by calling 800-527-7728.  A new, auto generated PIN will be automatically mailed to you separately.  If you wish to set a new PIN, please call 888-886-0083.
2. Sign the back of your card immediately.
3. If you have not done so already, download the Freedom Card Manager App and register your new card.

Again, please be sure to update any recurring payments with your new card number and expiration date.

Yes, all activity done on the old card up until the closure date of October 25 will be moved to the new card. Please be aware that for purchases made on the old card, this may reflect as a reversal or a credit as they are transferred to the new card.

To access your credit card online, log in using your Online/Mobile Banking credentials. From the main screen, choose your Visa Credit Card from the Accounts listing, then click the Credit Cards tile. This will launch the Credit Card website where you can register your new card, view activity, and more.

From a Freedom Checking or Savings, you may use the TRANSFER feature to move funds from your Freedom Checking or Savings to your the new card.

From another financial institution, you may make payments to the new card number in Online/Mobile Banking using the Credit Cards page (see above for access instructions) or pay through Freedom’s Card Manager App. If you have not received your new card yet, please contact us at 410-676-5700 to make your payment using a routing and account number from your other financial institution during the transition.

Please contact us at 800-440-4120, and we can reissue you a new credit card.

Your current credit card will stop working on October 25, 2021. Please destroy your old card immediately upon activation of your new card.

Electronic statements enrollment and history will transfer over to the new account (cardholders will not need to re-enroll in eStatement). However, it will take two days for the enrollment to transfer. Statement history may be deleted if the cardholders re-enroll while the transfer is happening. In order to prevent cardholders from accidentally deleting their eStatement history, we will turn off eStatements one day before the transfer and will turn it back on two days after.

Yes, Freedom Business Credit cards will also be updated to Contactless technology and feature a new look and design.  Unlike the consumer cards, however, your Business credit card number will remain the same.

All Freedom debit cards have already been updated to Contactless tap-and-go technology.  If you have not received a new debit card, and would like one, please call us at 800-440-4120.

If you have an automatic payment deducted from your Freedom account, no action is needed. Your payment will be automatically moved to the new credit card.

If you pay from another financial institution, you will need to update the payment information with the new credit card number.

You can add your new card under your existing profile in Freedom’s Card Manager App. You can also remove your old card in the app. If a you happen to remove your old card before adding your new card, you can still use your existing profile to add the new card.

Once you add your new card to your profile in the Card Manager App, please remember to create new alerts for the new credit card.  Your alerts from your old card will not transfer.

No. You do not have to physically tap the card to the terminal. However, your card should be close (within 1-2 inches) to the Contactless Symbol.

The payment terminal reads the antenna best when the Contactless card is flat on the
Contactless Symbol, not at an angle.

You should hold the Contactless card to the terminal for 1-2 seconds.

Though similar, Contactless cards use Radio Frequency (RF) technology, a system comprised of a tag, a reader, and an antenna, as well as Near-Field-Communication (NFC) technology. Mobile wallets, such as Apple Pay and Android Pay require NFC-enabled mobile phones that incorporate smart chips that allow phones to securely store the payment application and consumer account information and to use the information as a contactless “virtual payment card.”

Yes. You can still use your Contactless card at an EMV payment terminal by inserting the card, or at a magnetic stripe terminal by swiping the card.

Yes. Contactless cards are accepted by tapping it at a Contactless-enabled payment terminal where they see the Contactless Symbol , inserting the card into an EMV chip terminal or swiping it in a magnetic stripe terminal. Many countries have already adopted contactless payments.

Yes. Contactless cards are safe for a number of reasons:

■ Each transaction is accompanied by a one-time code that securely protects a cardholder’s
payment information, just like a chip card.

■ Cardholders can’t pay accidentally. Their card or device must be within 1-2 inches of
the contactless-enabled payment terminal for the transaction to occur (and they won’t
be billed twice, even if they accidentally tap twice).

For every contactless transaction, a transaction-specific, one-time code is created that secures the cardholder’s payment information. The code cannot be re-used by fraudsters even if they were somehow able to access it. The information would be useless to them.