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Federal Deposit Insurance Corporation

New Tap-to-Pay Cards Are on the Way!

We’re upgrading eligible Richwood Bank debit cards to bring you tap-to-pay convenience and an improved payment experience.

If your card hasn’t been updated recently, you may receive a new debit card in the mail over the next several weeks — even if your current card hasn’t expired.

1

What to Expect

Your new card will arrive in a plain envelope and will include tap-to-pay functionality, making everyday purchases faster and easier. If you've received a new card since October of 2025, your card has already been updated and you won't receive another.
2

Activate Your Card Promptly

When your new card arrives, please activate it as soon as possible.
To avoid any interruption, we recommend activating your card within 30 days of receiving it.
3

Update Your Card Information

While your card number will remain the same, your expiration date and security code (CVV) will change. That means if you're utilizing digital wallet like Apple Pay or Google Wallet, you need to edit your card details with the new information.

Make Updates Easier with Card Swap

In addition to updating your digital wallet with your new card information, you will also need to update these details anywhere your card is saved, including:

  • Subscriptions and streaming services

  • Online shopping accounts

  • Recurring payments

Our Card Swap tool helps streamline the process by allowing you to quickly update your card information across many popular services.

Additional Updates

ATM-only cardholders will receive a new card. These tap enabled cards will provide ATM access only, with no point-of-sale purchases.

We’ve updated the design of Health Savings Account (HSA) cards so you can quickly and confidently tell them apart from your everyday debit card.

Questions? We're here to help.

Below are answers to some of the most common questions to help you know exactly what to expect and what to do next. If you don’t see what you’re looking for, our team is always happy to help with one-on-one support.

Just give us a call or stop by your local branch—we’ve got you.

Key Questions

Why am I receiving a new debit card?

If your debit card hasn’t been updated since October, we’re proactively sending you a new one as part of a system upgrade. This ensures your card continues to work seamlessly and includes tap-to-pay capability.

Why is my card being replaced before it expires?

This update is part of a planned upgrade to improve your experience and ensure compatibility with our current systems. Even if your card hasn’t expired, it may still need to be replaced.

When should I expect my new card?

Cards are being mailed in phases over several weeks. If your card is eligible, it will arrive during this timeframe. Watch your email for any updates and your mailbox for the new card.

What do I need to do when my card arrives?

Please activate your new card as soon as possible. Once activated:

  • Your previous card will no longer work

  • Your new card is ready to use immediately

We recommend activating your card within 30 days to avoid any interruption.

Why can’t I activate my card?

For personal cards:

  • Make sure you’re calling from the phone number associated with your card. This is especially important if you’re helping a spouse or child activate their card. If you’re not sure which number we have on file, reach out during business hours to 888-943-2317 and our team can confirm.

For business cards:

  • Call from the phone number associated with your card. This may be your business line or possibly your mobile number – whatever number you provided when you opened the card.

  • Enter the last four digits of your SSN

If you continue to have trouble, please contact us for assistance.

What changes with my new card?

  • Your expiration date will change

  • Your CVV (security code) will change

  • Your card will now include tap-to-pay

Do I need to update my card in my digital wallet or subscriptions?

Yes.

Because your expiration date and CVV have changed, you’ll need to update your card anywhere it’s saved, including:

  • Digital wallets (Apple Pay, Google Pay, etc.)

  • Subscriptions and streaming services

  • Online shopping accounts

  • Recurring payments

Do I need to change anything in Card Control?

No.

Once your new card is activated, it will automatically appear in your Card Control dashboard. We do recommend reviewing your alerts and limits to ensure they are set how you’d like.

What happens if I don’t activate my new card?

Your current card may stop working after the upgrade period.

To avoid any disruption, please activate your new card as soon as it arrives.

What should I do with my old card?

Once your new card is activated, securely destroy your old card.

I didn’t receive a new card. Is something wrong?

Not necessarily. A few things to check:

  • If you’ve already been issued a tap-enabled card, you will not receive a new one

  • Your mailing address may need to be verified

  • The card may have been delayed or accidentally discarded

If you’re unsure, please contact us and we’ll help you confirm next steps.