Debit Card Frequently Asked Questions
Power your purchases with the new Emprise Bank debit card!
At Emprise Bank, we’re always looking for ways to improve our services and support your financial goals. We’re excited to bring you the new debit Mastercard that provides benefits that aren’t available with our current Visa debit cards. These new benefits include identity theft protection, zero liability for unauthorized transactions, and access to preferred rates for travel and entertainment.
General Questions about the New Debit Cards – Why, How, and When
We’re always looking for ways to improve our services and support your financial goals. We’re excited to provide our customers with a new debit Mastercard that offers new benefits including identity theft protection*1, zero liability for unauthorized transactions*2, and access to travel and entertainment experiences*3.
We will deliver your new debit Mastercard in August or September. You will receive a personal message from Emprise Bank via mail and email with information on when to expect your new debit card to arrive in the mail.
Yes, your new debit card will have a different number than your current card.
For your security, you will be prompted to set your PIN when you activate your new debit Mastercard by calling 855-485-7039.
Yes, you’ll need to update your payment info with any merchants charging your old card. This may include:
- Mobile wallets (Apple Pay, Google Pay, etc.)
- Payment services (PayPal, Venmo, etc.)
- Streaming services (Netflix, Disney+, etc.)
- Online shopping (Amazon, Walmart, etc.)
- Subscriptions for software and cloud storage
- Memberships (gyms, meal kits, etc.)
- Transportation services (toll roads, rideshares, parking apps)
- Recurring gifts to nonprofits
For tips and safety information about activating a new card and setting up payments, see How to Activate Your New Card and Update Automatic Payments in our Knowledge Center.
Yes. Once activated, add your new card to Apple Pay, Google Pay, PayPal, Venmo, and any other apps you use.
Yes, all cardholders on the account will receive a new debit card.
No, daily limits will remain the same.
No. Your checking account and account number will not change.
No, Emprise Bank credit cards will not change.
No. Your ATM card will not change.
Once you activate your new debit Mastercard, you will no longer be able to use your old Visa debit card. All Visa debit cards stop working 35 days after the new cards are issued.
You may use the new debit card as soon as you activate it. For your security, we recommend shredding or otherwise destroying your old debit card.
No. All Emprise Bank Visa debit cards will be replaced with new debit Mastercards that provide benefits such as identity theft protection*1, zero liability for unauthorized transactions*2, and access to preferred rates for travel and entertainment*3.
Your Visa debit card will expire 35 days after your new debit Mastercard is issued.
Yes, your new card will continue to provide surcharge-free access to over 55,000 AllPoint ATMs.
Please call our customer service center at 316-383-4301 or 855-383-4301.
Please call our customer service center at 316-383-4301 or 855-383-4301.
You may use your debit Mastercard everywhere a PIN-based transaction is allowed.
Yes, you can use it at Costco stores, on Costco.com, and in the Costco app. You may also load your new debit card in your mobile wallet and pay that way. For more information about available payment options, see the Costco website.
How to Activate Your New Debit Card
When your card arrives, it will include instructions to activate it by calling the Card Activation System at 855-485-7039 from the phone number associated with your card. Follow the instructions provided.
Some tips to activate your new debit card quickly and securely:
- Call from the phone number associated with your account.
- Do not call on speaker phone.
- Have the new debit card handy to enter the information as you’re prompted.
- Choose a PIN you can remember. For your safety, do not store your new PIN with your new debit card and never share it with anyone.
You can check the phone number by simply logging into desktop or mobile banking. You may also update your contact information once you login.
Call the Card Activation System at 855-485-7039 from the phone number associated with your account. For business debit cards, you will need to call from the phone number associated with the business account and have the EIN to complete activation.
It should take about two minutes to activate your debit card. To ensure a fast and secure activation:
- Call from the phone number associated with your account.
- Don’t call on speaker phone.
- Have the new debit card nearby to enter the card information as you’re prompted.
- Choose a PIN you can remember. For your safety, do not store your new PIN with your new debit card and never share it with anyone.
Once you receive your new debit card, you should activate it as soon as possible to start using the new benefits the card provides. Your Visa debit card will stop working 35 days after the new card was issued. Please note:
- You will want to activate your new card right away so you can enjoy the new benefits.
- Your old debit card will no longer work once you activate your new debit card.
- For your protection, shred or otherwise destroy your old debit card.
We may call you to remind you to activate your card, but we will not call you to help you activate your new debit card. You must activate your card by calling our Card Activation System at 855-485-7039.
Unfortunately, scammers have called customers claiming to be from Emprise Bank. You should hang up if you get a call from someone claiming to be from Emprise Bank and offering to help you activate your debit card.
In addition, you should never provide your full debit card number to anyone who calls, even if the caller claims to be from Emprise Bank. We will only ever need the last four digits of your debit card number.
At Emprise Bank, we take the safety and security of your accounts seriously. To ensure the integrity of your checking account, our fraud monitoring system carefully tracks transactions and flags activity that seems unusual or potentially fraudulent. The system is designed to minimize disruption by verifying the transaction quickly.
We understand that being contacted about a potentially suspicious transaction can cause concern and inconvenience. We strive to balance securing your funds with the importance of maintaining uninterrupted access.
Please Note: We will never ask for your full card number, a personal identification number (PIN), or a CVV number (3-digit number on the back of your card). If you are concerned about the validity of the caller, do not provide any information and contact Emprise Bank during normal business hours at 855-383-4301.
Personal Checking Account Questions
Our new debit Mastercard provides more security and convenience with:
- Identity theft protection
- Zero Liability Protection for unauthorized purchases
- 24/7/365 worldwide services for lost or stolen cards
- Extended warranties and satisfaction guarantees on qualifying purchases
- Travel offers and airport concierge services
Not all benefits are available for customers under the age of 18. For a full list of benefits and restrictions, visit Mastercard Enhanced Debit Card | Enhanced Debit Card Benefits.
To learn where to sign up for each benefit, visit Personal Debit Mastercard Benefits.
We will deliver your new debit card in August or September. You will receive a personal message from Emprise Bank via mail and email with information on when to expect your new debit card to arrive in the mail.
- Activate your new debit card immediately by calling the number on the activation sticker.
- Safely dispose of your old card—it will no longer work once the new one is activated.
- Update payment information on any recurring payments such as utility bills, streaming services, memberships, transportation services, etc.
- Start using your new card and take advantage of valuable benefits like identity theft protection, Zero Liability for unauthorized transactions, and extended warranties for qualifying purchases.*5
Yes. After you activate your new debit card, you’ll need to update your payment information anywhere your old card is saved for automatic charges. This may include:
- Mobile wallets (Apple Pay, Google Pay, etc.)
- Payment services (PayPal, Venmo, etc.)
- Streaming services (Netflix, Disney+, etc.)
- Online shopping (Amazon, Walmart, etc.)
- Subscriptions for software and cloud storage
- Memberships (gyms, meal kits, etc.)
- Transportation services (toll roads, rideshares, parking apps)
- Recurring gifts to nonprofits
You may use your debit card everywhere a PIN-based transaction is allowed.
Please call our customer service center at 316-383-4301 or 855-383-4301.
Business Account Questions
Our business debit card gives you more purchasing flexibility plus built-in tools and benefits to help you manage your business. They include:
- Discounts on Intuit QuickBooks and TurboTax
- Rebates for qualifying purchases
- Identity theft protection
- HealthLock medical claim monitoring service
- Stride health benefits marketplace
- Zero Liability Protection for unauthorized purchases
- 24/7/365 worldwide services for lost or stolen cards
- Travel benefits including airport concierge and rental car insurance
- PGA Tour and other golf experiences
For a full list of services and benefits, visit Mastercard Business Debit Card | Small Business Debit Card.
To learn where to sign up for each benefit, visit Business Debit Mastercard Benefits.
We will deliver your new debit card in August or September. You will receive a personal message from Emprise Bank via mail and email with information on when to expect your new debit card to arrive in the mail.
Yes, all debit cardholders on the account will receive a new debit Mastercard to replace their current Visa debit card.
- Activate your new debit card right away using the phone number on the activation sticker on your new card. You will need the last four digits of your EIN to complete activation.
- Destroy your old Visa debit card. Once your new debit card is activated, your old debit card will no longer work.
- Update payment information on any recurring payments such as utility bills, streaming services, memberships, transportation services, etc.
- Use your new debit Mastercard and enjoy the new benefits such as Zero Liability for unauthorized transactions, discounts on Intuit QuickBooks and TurboTax, ID Theft Protection, rebates for qualifying purchases, and tools to manage employee health benefits.*6
Yes, once you activate your new debit card you will need to update your payment information for any merchants you have set up with the old debit card. Those may include:
- Mobile wallets (Apple Pay, Google Pay, etc.)
- Payment services (PayPal, Venmo, etc.)
- Streaming services (Netflix, Disney+, etc.)
- Online shopping (Amazon, Walmart, etc.)
- Subscriptions for software and cloud storage
- Memberships (gyms, meal kits, etc.)
- Transportation services (toll roads, rideshares, parking apps)
- Recurring gifts to nonprofits
- Insurance payments
For tips and safety information about activating a new card and setting up payments, see How to Activate Your New Card and Update Automatic Payments in our Knowledge Center.
You may use your debit card everywhere a PIN-based transaction is allowed.
Please call our customer service center at 316-383-4301 or 855-383-4301.
Private Banking Questions
We will deliver your new debit card in August or September. You will receive a personal message from Emprise Bank via mail and email with information on when to expect your new debit card to arrive in the mail.
The World Elite debit card offers exceptional services and benefits, including:
- Identity theft protection
- Zero Liability Protection for unauthorized purchases
- 24/7/365 worldwide services for lost or stolen cards
- Extended warranties on qualifying purchases
- Complimentary professional travel services
- Room and amenity upgrades at participating hotels
- Savings on flights and car rentals
- PGA Tour and other golf experiences
For a full list of services and benefits, visit Lifestyle & Insurance Benefits | World Mastercard Debit Card.
To learn where to sign up for each benefit, visit Private Banking Debit Mastercard Benefits.
Yes, all debit cardholders on the account will receive a new debit Mastercard to replace their current Visa debit card.
- Activate your new debit card right away using the phone number on the activation sticker on your new card.
- Destroy your old Visa debit card. Once your new debit card is activated, your old debit card will no longer work.
- Update payment information on any recurring payments such as utility bills, streaming services, memberships, transportation services, etc.
- Use your new debit Mastercard and enjoy the new benefits such as Zero Liability for unauthorized transactions, ID Theft Protection, complimentary professional travel services, and hotel upgrades where available.*4
Yes, once you activate your new debit card you will need to update your payment information for any merchants you have set up with the old debit card. Those may include:
- Mobile wallets (Apple Pay, Google Pay, etc.)
- Payment services (Pay Pal, Venmo, etc.)
- Streaming services (Netflix, Disney+, etc.)
- Online shopping (Amazon, Walmart, etc.)
- Subscriptions for software and cloud storage
- Memberships (gyms, meal kits, etc.)
- Transportation services (toll roads, rideshares, parking apps)
- Recurring gifts to nonprofits
You may use your debit Mastercard everywhere a PIN-based transaction is allowed.
Protect Your Information
Be wary of scammers who attempt to impersonate Emprise Bank by either identifying themselves as such or by spoofing our phone number. Our fraud department may call, text, or email you about suspicious transactions, but we would never ask you to provide your full card number, PIN, the three-digit code on the back of your card, or digital banking password. If you are concerned about the validity of a caller, do not provide any information and contact Emprise Bank during normal business hours.
1 For terms and conditions, see Mastercard Identity Theft Protection Program.
2 For terms and conditions, see Mastercard Zero Liability Protection
3 For terms and conditions, see Mastercard Priceless program.
4 Certain restrictions apply. See Mastercard Enhanced Debit Card | Enhanced Debit Card Benefits.
5 Certain restrictions apply. See Mastercard Business Debit Card | Small Business Debit Card.
6 Certain restrictions apply. See Lifestyle & Insurance Benefits | World Mastercard Debit Card.