Kellogg Credit Union debit cards are converting to Mastercard! As part of this upgrade, members will receive a new debit card with a new card number. Please review the information below to avoid interruptions to purchases, ATM withdrawals, and recurring payments. Continue checking this page periodically for updates. 

Key Dates

New cards mailed: 3-19-2026

Expected delivery: Week of 3-23-2026

Begin using your New Mastercard Debit Card: 4-7-2026

Your current Visa Debit Card stops working: 4-7-2026

What’s Changing

Card number, expiration date, & CVV code

You will set up a new PIN during activation

Surcharge Free ATM Networks (Learn More)

Card Controls in the App will return June 2026

What's New

Tap to Pay

Cash Deposits at Allpoint ATMs

Digital Wallets (Coming June 2026!)

Instant Issue (Coming June 2026!)

What You Need To Do

1) Watch Your Mail

Your new debit card will arrive in an unmarked 5x7 envelope for security purposes. Please open it promptly once received.

2) Activate Your New Card prior to 4-7-2026.

Your new card will not work until it is activated.

How to activate:

  • Call the activation number listed on the sticker/instructions included with your new card (IVR). (800-717-4923)
  • Follow the prompts to verify your identity.
  • Once the card has been activated, you'll receive a confirmation number.
  • Stay on the phone to select a PIN. 

If you did not set a PIN during the activation process, you can call the same number back to try again.

3) Update Recurring Payments and Saved Card Info (Very Important)

Because your card number is changing, you will need to update any place your old debit card is saved, such as:

  • Streaming/subscriptions (Netflix, Hulu, etc.)
  • Online retailers (Amazon, Walmart, etc.)
  • Food delivery/rideshare apps
  • Gym memberships and other monthly bills
  • Any merchant using your card for autopay

Tip: Review your recent debit card transactions to build a list of merchants to update.

If you have not received your new card
by 4-3-2026 contact us at 402-593-2680

Frequently Asked Questions

  1. Why am I recieving a new debit card?
    • KCU is switching to Mastercard! We're bringing you a fresh look, updated functionality, and better security. 
  2. Will my checking account number change?
    • No—This conversion changes your debit card number, not your checking account.
  3. Can I keep using my current card until the conversion?
    • Yes—Your current card will work until 4-7-2026, when the new cards go live. At that time all Visa debit cards will stop working and should be properly destroyed. 
  4. What if my new card doesn’t arrive before 4-3-2026?
    • Please contact us at 402-593-2680 so that we can assist.
  5. How do I activate my new card?
    • Your new card will come with an activaton sticker that includes instructions. Call the phone number on the sticker from your primary phone number on file. (800-717-4923) If we do not have this information on file, please call us to update it. 
  6. Will I need to select a new PIN?
    • During the activation process you will be asked to select a PIN for your new card. Remain on the phone to complete this process. 
  7. What if I have issues activating my new card?
    • Call us at 402-593-2680 for assistance. 
  8. Why are Card Controls no longer available in my app?
    • Card Controls are a feature of the new cards, but they do not integrate with the current mobile app. In June, there will be an upgrade to reintroduce Card Controls in the app.  
  9. When will Digital Wallets be available?
    • Digtal wallets will be availabe after testing has been completed. The anticipated rollout is June 2026. 
  10. Which Digital Wallets will Kellogg Credit Union offer?
    • Apple Pay, Google Pay, Garmin Pay
  11. Will my spending limits change?
    • No—The spending limits will not change on the new cards.
  12. Will my Direct Deposit be impacted?
    • No—Direct Deposit of a paycheck, Social Security Income, or retirment funds are sent via Automated Clearing House (ACH) transactions, not through your debit card. Only payments initiated using the debit card will be impacted. 
  13. Will automatic payments and deductions continue?
    • No—Once you receive your new card you must contact each merchant to let them know the new card information. 
  14. What if I have a credit or a refund for a payment on my old card?
    • Your checking account will receive the credit. You will not have to do anything for the credit to deposit to your account. 
  15. Will I experience more frequent denials?
    • It is possible that denials may be more frequent at first, until the new system recognizes your spending patterns.