IMPORTANT CHANGES TO YOUR DEBIT CARD
Saratoga Federal is introducing a brand new Mastercard Debit Card. The new card is designed to make everyday payments faster, more secure and easier to manage.
Members will begin receiving newly issued cards featuring updated designs, enhanced security technology, and expanded digital capabilities. These updates are part of our continued effort to improve the way you pay, manage your cards, and use digital banking.
Card Delivery Timeline
New cards are expected to become available as early as November 2026. Over the next few months, new Mastercard Debit Cards will be automatically mailed to active debit cardholders.
Important Notice: Active VISA debit cards will be automatically issued with a new Mastercard debit card. If you have not completed a transaction with your debit card in the last 6 months, a new Mastercard will not be issued. Please ensure you are actively using your debit card if you would like to receive a new Mastercard debit card. All VISA debit cards will be closed and deactivated with the Mastercard debit card launch.
Please make sure your contact information is up to date to ensure your new card is mailed to the correct address. You will continue using your current card until your new card arrives.
What to Do When Your Card Arrives
When you receive your new card in the mail, please take a few moments to complete the following steps:
-
Activate your card through CardTrax in the mobile app or by calling the number on the activation label. During this process you will select your PIN. You may use the same PIN that you have used in the past if you would like.
-
Update any stored payment information for subscriptions, streaming services, and recurring bills, as your card number has changed.
-
Your new Mastercard will provide access to digital wallets including Apple Pay, Google Pay and Samsung Pay. You will have the option to add your card to your digital wallet to make secure, contactless purchases using your mobile device.
Frequently Asked Questions
Will my debit card number change?
Yes, your debit card number will change. You will need to update any merchants where your card information is stored for recurring payments.
Will my debit card PIN change?
Yes, you will need to select a new PIN when activating your new Mastercard debit card. You may choose to select the same PIN you are currently using if you would like.
Can I continue using my current card?
Yes, you can continue using your current card until your new card arrives. Once you activate your new card, please shred and securely dispose of your VISA debit card.
Will my debit card still work the same way?
Yes, your debit card will continue to work the same way for everyday purchases, ATM withdrawals, and online transactions. Your new card will now be supported by the Mastercard network.