The chip on your credit or debit card, technically known as an EMV chip, brings several significant benefits over the older magnetic stripe technology:

1. Improved Security

Encryption Technology: Each time a chip card is used for payment, the chip creates a unique transaction code, or cryptogram, that cannot be used again. This is drastically different from the magnetic stripe card, where the data remains static and can be copied (cloned) and reused by fraudsters.

Difficult to Clone: The chip makes the card much harder to counterfeit or clone. While a magnetic stripe can be easily copied with the right equipment, cloning a chip card requires sophisticated and expensive technology, which is far beyond the reach of most criminals.

2. Global Compatibility

Wider Acceptance Worldwide: Chip cards are the standard in many parts of the world. Having a chip card might ease transactions when traveling internationally, as some places have moved to exclusively accept chip cards.

3. Enhanced Verification Methods

Support for PIN Verification: Chip cards can support PIN (Personal Identification Number) verification, adding an extra layer of security. In many cases, especially outside the United States, chip-and-PIN verification is preferred, making transactions more secure than simply signing a receipt.

4. Reducing Fraud and Liability

Shift in Liability: With the adoption of EMV technology, the liability for fraud has shifted. In many cases, if a merchant does not support chip technology and a fraudulent transaction occurs, the merchant may be liable instead of the bank. This shift has motivated the adoption of chip readers by merchants, further enhancing security.

Lower Rates of Fraud: Countries that have adopted the chip technology have seen significant reductions in card-present fraud (transactions where the card is physically present).

There are different ways you can check your balance but what is most important to point out is how you should NOT check your balance at an ATM, even an in-network ATM, as this will incur a fee.

To check your balance and not incur a fee you can:

1. Download the Fintwist mobile app from the Apple or Google Play store. You can check your balance at any time by looking at the mobile app.
2. Call the number on the back of your card, follow the prompts, and hear your available balance.
3. Sign up for text alerts. After every purchase, your available balance and transaction will be texted to you.

You should immediately call cardholder support at 1-888-265-8228 and file a dispute with our support line.

What happens after I file a dispute?

• Once a fraud dispute has been filed you will be notified in 10 business days.
• The communication notice will contain an approval or a denial notice.
• If you receive an “approval” notice your account will be credited accordingly.
• If you receive a “denial” notice and the reason is due to insufficient evidence, you may request a reinvestigation of your case but you will be required to provide supporting documentation that will assist in the reevaluation. You will attach your documents to the original email which was received from the Fraud/Disputes team and reply with your request.
• You will only need to send a reinvestigation request once, please do not send multiple requests for the same fraud dispute as you may experience an additional delay.

Click to download the Fintwist app for Android or for iOS!

Not on your mobile phone? No problem. Navigate to the Apple or Google Play store on your phone and search for “Fintwist.” You will see an app with the Fintwist F as the icon. Click this option and download!

Receive text messages when money is added to your card and after each time you approve a transaction. You will get transaction details including balance with each text message! To enroll you can call 1.888.265.8228 to enroll.

TO ENROLL THROUGH OUR WEBSITE, FOLLOW THESE STEPS:

1. 1. Login to Cardholder Web: www.fintwistsolutions.com
   1. (New users must register first)
2. Select Banking and then Text Messaging
   1. Enter your phone number
   2. Select both notification boxes
   3. Read and accept the Terms and Conditions
3. Submit Your Request

Our most common fees are using an out-of-network ATM, checking your balance, and purchasing fees.

Out-of-Network ATMs

When you use an out-of-network ATM to get cash you will incur a fee. Make sure you are using an in-network ATM. On the Fintwist mobile app, you can navigate to Menu > ATM Locator and it will show you all the in-network ATMs closest to you. You can also visit allpointnetwork.com to view all of their locations.

Checking Your Balance

When checking your balance it’s important to NOT use an ATM regardless if it’s in-network or not as doing so will incur a fee. Use the Fintwist mobile app to check your balance instead as it’s an easy way to always know how much is in your account and since it’s on your phone you can access it at any time. You can also sign up for our text alerts so that you’re notified after every purchase of what your balance is. Lastly, you can call the number on the back of your card and receive your balance that way.

Purchasing Fees

When making purchases it’s important to click “Credit” vs “Debit” on the card terminal and sign for your purchase vs using your pin so that you can avoid purchasing fees. If you are in need of cash back then you will need to choose the Debit option, but this is a low-cost way to get cash.

There are many ways to avoid fees, if you’re curious on what all fees are associated with your Fintwist card, you can reference your fee schedule that came with your card or your employer should have a copy.

On the Fintwist mobile app, you can navigate to Menu > ATM Locator and it will show you all the in-network ATMs closest to you. You can also visit allpointnetwork.com to view their locations. Reminder that not all Allpoint ATMs are in-network. An in-network ATM will never charge you a fee, so if you are about to incur a fee then that ATM is not in-network. We recommend using ATMs at Target, CVS, Walgreens, and Speedways.

If your card was stolen or lost you can use the Fintwist mobile app to suspend your card and then report it as lost or stolen. On the home screen of your app you will see “Manage Cards” click this and then toggle on the button next to “Suspend Card” this will make it to where your card is not usable. Then you will want to click on “Report Lost/Stolen” so that you can get a replacement card.

You can also call our support line at 888-265-8828 and report your card this way.