Your debit card has moved to Visa®
Your Cobalt debit card has transitioned from Mastercard to Visa. This change allows you to take advantage of Visa’s enhanced benefits, security features, and purchasing protections.
Still need to activate your card?
Activate your debit card by calling 833.400.3081 or follow the steps shown below in Digital Banking.
What It Means for You
- You’ll receive a new card with the Visa logo.
- This replaces your current card—activate it as soon as it arrives.
- On March 9, 2026, your current card will be automatically disabled. You must activate your new Visa debit card before this date.
- Keep your MasterCard debit card in a secure location and destroy and discard it on March 9 when it is disabled.
What Will Change
- Your card number, expiration date, PIN, and security code. When activating your new debit card, you can use the same PIN you previously used.
- You’ll need to update stored payment info for recurring payments (utilities, streaming, subscriptions, etc.).
- Please update your card alerts and notifications for your new Visa® debit card in Digital Banking before March 9 to avoid any interruptions.
What Will Stay the Same
- Your existing account terms.
- Your checking account number, routing number and access to your funds.
- How you access your account through digital banking.
- Your direct deposits, such as Social Security, Payroll and Pensions, as they are set up with your account number, not your debit card number.
- Our commitment to your security and satisfaction.
Rest easy—there’s nothing you need to do now. We’ll share more info as the transition gets closer. Keep an eye out for your new card.
Worldwide Acceptance
Use your Visa debit card to pay quickly and securely at millions of locations in more than 200 countries and territories across the globe.
Contactless Technology
Tap to pay at checkout for secure, touch-free convenience.
Visa’s Zero Liability Policy*
Shop with confidence knowing you won’t be held responsible for unauthorized use of your card or account information.
Real-Time Fraud Monitoring
Count on 24/7 fraud protection with continuous screening of your account for suspicious card activity.
Cardholder Inquiry Service
Access 24-hour cardholder information and assistance by phone, including details about your account, card benefits, and more — available in all major languages.
Lost or Stolen Card Reporting
Rest easy knowing that if your Visa debit card is ever lost or stolen, assistance is only a toll-free phone call away — 24/7.
Frequently Asked Questions
- How do I activate my new Visa debit card?
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Please wait to activate your new card until your physical card arrives in the mail. Activation requires the physical card. Once it arrives, call 833.400.3081 to activate it or follow the steps shown below in Digital Banking.
- Why am I receiving a new card?
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We’re transitioning your debit card from MasterCard to Visa, which provides many valuable features and benefits. We hope you'll enjoy the services that come with your new Visa card.
- Will my account terms change?
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No. Your existing account terms all remain the same.
- How do I set up alerts for my new card?
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Below is a brief walkthrough of the alert settings available in Digital Banking for your new Visa debit card.
- How do I set up card controls?
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Below is a brief walkthrough of the card control settings available in Digital Banking for your new Visa debit card.
- Can I still access my account at the ATM?
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Yes. You will be able to use your Visa debit card at the ATM. Be sure to use your new PIN, which you will select when activating your new card.
- Will I keep my current benefits?
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Your new card comes with comparable benefits from Visa, so you’ll still enjoy all the things you count on from MasterCard. Plus, you get benefits like Visa's Zero Liability Policy*, Real-Time Fraud Protection and more.
- What should I do with my current MasterCard debit card?
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Continue using your current MasterCard debit card like normal until you receive your new Visa debit card in the mail. Once your Visa card is activated and you have updated your online billing and subscription services, keep your MasterCard debit card in a secure location and safely destroy it on March 9 once it is disabled.
- I see my new debit card in Digital Banking. Can I activate and use it digitally before my physical card arrives?
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Please wait to activate your new card until your physical card arrives in the mail. Activation requires the physical card. Once it arrives, you can activate your card in Digital Banking or call 833.400.3081.
- What will happen with automatic, card-on-file and recurring bill payments on my card?
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Once you receive your new card, you’ll need to update your new card number, expiration date, PIN and security code with merchants who regularly bill this account. This may include wireless, cable, and internet providers, streaming services, insurance companies, highway toll accounts, food delivery services, utilities, subscription services, as well as online merchants where you shop regularly.
- Wil my direct deposits be impacted?
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No, your direct deposits, such as Social Security, Payroll and Pensions, will not be impacted as they are set up with your account number, not your debit card number.
*Visa's Zero Liability policy does not apply to unauthorized transactions on prepaid cards for which the issuing financial institution has not collected the cardholder's personal information prior to the transaction or to certain commercial card transactions. Cardholders must use care in protecting their card and notify their financial institution immediately of any unauthorized use. Cardholders should contact their issuing financial institution for additional details.
