Bank Easy!  take charge of your debit card with CardValet.  Use the free app with your new debit card to define when, where and how your card is used.  CardValet (by Fiserv).

Debit or credit card, NBC Oklahoma makes it convenient.

ALERT: YOUR NEW DEBIT CARD IS READY AS OF WEDNESDAY, JAN. 25

Your new debit card will be a chip card for extra security

Here are some things you should know:

  • Call 1-800-992-3808 from the phone number associated with your account to activate it.*
  • Destroy your old card.
  • Start using your new card.

As an added bonus, with your new debit card, NBC Oklahoma is offering a handy mobile application for Android and Apple devices to help you define when, where and how your card is used.

It's called CardValet (by Fiserv) and available for download to your Android or Apple mobile devices.

Here are links:

Apple App Store (for iPhone and iPads)

Google Play Store (for Android devices)

With CardValet, you can:

  • Quickly detect unauthorized or fraudulent activity.
  • Turn off a lost or stolen card and turn it back on to start using it again.
  • Set spending limits and decline transactions when they exceed your defined thresholds.
  • Restrict transactions based on locations using your phone’s GPS.
  • Set up alerts to keep you informed of certain types of card transactions.
  • Get real-time balance inquiries or locate an ATM.
  • And more.

After you’re downloaded the app, use it to register all cards issues by NBC Oklahoma. Once setup is complete, you can begin customizing usage settings and alert preferences for your cards.

FREQUENTLY ASKED QUESTIONS ABOUT CHIP CARDS

What are chip cards?

Officially, they're known as EMV cards. (EMV stands for Europay MasterCard Visa and is a global standard.) They're more commonly referred to as chip cards since they include an embedded microchip that generates a unique transaction code every time it is used. The computer chip on your new card will look like a small metallic square.

How do they keep my credit data more secure than the magnetic strip I've been using?

Your data is secured with both hardware and software security measures, making the cards extremely difficult to counterfeit. The new card will generate a new transaction code every time you use it, so the number used in one purchase can't be duplicated for another.

Are there different kinds of EMV cards?

There are several types of these cards, and which one you receive depends on the card issuer — 1) chip-and-pin cards, which require a pin number for the transaction; 2) chip-and-signature cards, which require your signature; or 3) chip-and-choice cards, which allow either a pin or a signature, depending on the card reader of the vendor. NBC Oklahoma's new Visa debit card will give you both options (No. 3), but the retailer will direct you whether to sign the transaction or enter a pin.

When do I use my chip card?

Not every retailer has installed chip-enabled card readers. They'll prompt you whether to use the chip or the magnetic strip. Your new NBC Oklahoma debit card will still have a magnetic strip so that you can still use it at retailers that haven't yet converted their system.

How do I use my chip card?

Place your card into the slot reader and leave it in, follow the instruction prompts, and then remove your card after the transaction is completed. The transaction will take slightly longer than you're currently used to because you have to leave your card in the reader until the transaction is complete.

How are merchants where I use the card affected?

They have to invest in new machines that can read these cards, or the liability stemming from any fraudulent transactions shifts to them.

Will the card hold any additional data?

The card will not track your location or your purchase history. It will only contain the data that your debit card currently has plus the additional account security.

* If you have a new phone number or are unsure of the one that is connected to your debit card, please contact your local NBC Oklahoma branch or call us at 1-800-590-2580 as soon as possible. Thank you.

The security of your account is important to us. We use a fraud detection service called EnFact to monitor for fraudulent transactions. If you receive an automated call because of suspicious debit card activity on your new card, you will only need to provide your ZIP code to confirm or deny pending charges.