X We’ve adjusted the layout of our website a bit to streamline your 4frontcu.com experience! Enjoy this short tour of the improved online experience.

Your personal and business online banking login and other account management tools were located in this space previously...

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X ...but now you’ll find them here, in this tidy little expandable menu, along with our speedy online loan and credit card application, and more!

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X ...and we’ve nudged it down here, resulting in less scrolling on the interior pages and a more user-friendly website! We hope the small layout changes enhance your 4frontcu.com experience!

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Got it. Take me to Online Credit Card Access   Credit Card

We’ve streamlined access to your 4Front smart credit Mastercard account!

Access to your 4Front smart credit Mastercard® account is now available directly from your online banking experience! Review your card's transaction history and balances, download statements and pay your bill inside online banking without having to utilize a separate website and maintain another set of login credentials.

Here's how:4Front CU Card Services

  1. Log into Online Banking using your existing online banking username and password.
  2. Select Credit Card Services, located under the Transactions menu.

4Front CU Online Banking changes

 

 

  1. Choose a credit card to manage.
  2. To ensure uninterrupted access to this new feature, confirm your contact information is accurate by visiting Update Contact Info in the Services menu.
Got it. Take me to Online Credit Card Access   Credit Card
4Front Credit Union

Alert!

Virtual banking scheduled maintenance Sunday, October 7 from 6:00 am - noon ET

The 4Front virtual banking platform will undergo necessary maintenance Sunday, October 7 from 6:00 am - noon ET. During this timeframe, Online and Mobile Banking will remain available for use; however, account balances and transaction histories may not reflect current day transactions until maintenance is completed. Telephone Banking will not be available in any capacity during this maintenance window and ancillary systems such as our Connected Lending online loan application and Autobooks business accounting platform may also be impacted.

We apologize for inconvenience incurred during this downtime as we work to complete this important maintenance as rapidly as possible.

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We’ve streamlined access to your 4Front smart credit Mastercard account!

Access to your 4Front smart credit Mastercard® account is now available directly from your online banking experience! Review your card's transaction history and balances, download statements and pay your bill inside online banking without having to utilize a separate website and maintain another set of login credentials.

Here's how:4Front CU Card Services

  1. Log into Online Banking using your existing online banking username and password.
  2. Select Credit Card Services, located under the Transactions menu.

4Front CU Online Banking changes

 

 

  1. Choose a credit card to manage.
  2. To ensure uninterrupted access to this new feature, confirm your contact information is accurate by visiting Update Contact Info in the Services menu.
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4Front Credit Union Go to main content

Smart Credit Cards

4Front CU Smart Credit Card Online Access4Front smart credit cards offer our members purchasing power and peace of mind. Enjoy no annual fee, multi-level fraud protection, and access to millions of merchants and ATMs worldwide with 4Front smart credit cards. Select our standard 4Front smart credit Mastercard® or our 4Front UChoose Rewards® smart credit Mastercard to earn points redeemable for merchandise, travel, and cash back.

Chip Technology  Protecting your plastic

At 4Front, we’re focused on delivering leading edge security to protect your finances and ensure only you and those you trust have access to your funds.

What makes our smart cards so smart? We’re glad you asked! The 4Front smart credit card includes an embedded chip which verifies its authenticity every time it’s used at a chip-enabled retail terminal. This reduces fraud perpetrated through the process of “skimming,” a technique in which criminals copy the data from a card’s magnetic stripe and use it to create a duplicate or counterfeit card.

Apply online below or call us at 800.765.0110.

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Smart Credit Cards 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.

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Other Loan Rates

Other Loans
Effective Date: Saturday, November 17th, 2018
Loan TypeTermAPR as low as*
Smart Credit Mastercard Variable 10.96%
Overdraft Protection Variable 10.96%

*Rates determined by member's credit worthiness and down payment

Lost or Stolen Cards

Lost or Stolen Cards

Smart Debit/ATM

800.765.0110
800.472.3272 (after hours)
614.564.5101
(outside U.S.)
Mastercard logo

 
Smart Credit

844.269.3009 (24 hours)
571.526.3951
(outside U.S.)
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PIN Changes

Smart Debit/ATM

800.992.3808 (24 hours)

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