Business Smart Credit Cards
You and your employees can pay for meals, client entertainment, travel expenses, office supplies, online orders and more with a 4Front Credit Union Business smart credit Mastercard featuring no annual fees, low annual percentage rates for purchases, cash advances and balance transfers and low service fees.
The 4Front Business smart credit Mastercard also offers the convenience of individual cards for your employees and the spending control of individual credit limits with attractive credit lines to meet your needs.
Engineered with chip security, your 4Front Business smart credit Mastercard features a built-in layer of fraud protection in the form of a microprocessor chip, ensuring your card must be present for transactions at chip-enabled retailer terminals.
To learn more, please see our compilation of frequently asked questions below or please contact our Business Services team at 231.932.5225.
Business Smart Credit Mastercard Frequently Asked Questions
The microprocessor chip embedded in smart cards creates a unique transaction code every time it is used at a chip-enabled terminal. The information contained in the magnetic stripe affixed to non-smart cards never changes and makes it easier for hackers to steal your card information via a process called "skimming." "Skimming" is when someone copies data from a card's magnetic stripe and uses it to create a duplicate or counterfeit card. The chip embedded in smart cards communicates with the chip-enabled terminal while you are making your purchase to ensure that only the original card is being used for the transaction, and not a duplicate card being utilized by a wrongdoer.
Your 4Front smart credit card is accepted everywhere Mastercard is accepted. Your smart card will enjoy the added layer of chip protection when you use it at retailers with chip-enabled terminals. If a retailer does not currently offer a chip-enabled terminal, your smart card includes a magnetic stripe to ensure you will still be able to complete your purchase, however, you will not enjoy the fraud protection of a chip-enabled transaction.
Making a payment at a chip-enabled terminal is a little different when using your smart card. Not all chip-enabled terminals look the same, but the process is similar with each. Rather than swiping your smart card, you will insert it into the front of the terminal with the chip facing up and leave the card in the terminal during the transaction. Follow the prompts on the terminal screen. If prompted, sign for your transaction or enter a PIN for ATM transactions. The card can be removed from the terminal once you are prompted to do so.
Because you are manually keying in your card number, expiration date, and CVV (3-digit number on back of card), purchasing goods or services online with a smart card does not differ in any way from how you make purchases with a non-smart credit card.
Generally, smart cards will make it easier and more secure for you to make purchases in other countries. If you have traveled outside the U.S. in recent years, you've likely encountered some international retailers who only accept smart cards and no longer accept magnetic stripe cards. This trend is expected to continue both internationally and domestically, as chip-enabled terminals become more prevalent in the U.S.
Report a lost or stolen 4Front smart credit Mastercard 24-hours a day by calling 844.269.3009 or 571.526.3951 (outside U.S.).
The process is similar to making a purchase at a chip-enabled terminal. Instead of inserting and immediately removing your smart credit card, you will leave it inserted in the ATM for the duration of your transaction. Some ATMs will securely grasp your smart credit card as soon as it detects the presence of the embedded chip, preventing you from removing it until you complete or cancel the transaction. Generally, on-screen prompts or ATM signage will alert you to what process you should expect from the specific ATM.