Debit Card PIN Requirement
Starting April 1, 2013, a PIN option is being added by our Health Flexible Spending Account (FSA) debit card vendor in order to comply with the Dodd-Frank Wall Street Reform and Consumer Protection Act. This means you may be asked to enter a PIN number when using your debit card.
Merchants will have two options for processing debit cards:
- A signature network which will allow your card to work as it has in the past, or
- A PIN network, which will prompt you to enter a PIN.
In order to comply with the new requirement, American Fidelity’s Health FSA debit card provider, Alegeus Technologies, will provide a PIN number to all debit card holders so you can continue to use your card with ease.
Acquiring a PIN Number
To acquire your PIN number you will need your debit card number and your Employee ID number. Your Employee ID, along with instructions for acquiring your PIN is available by logging on to our secured Online Service Center and clicking on the My Flex tab. Click here to get started.
If you do not have an Online Service Center account, you can easily sign up now for an account and start enjoying the convenience of securely managing your account online. Click here to create an account.
If you have questions or concerns regarding your debit card or obtaining your PIN, we encourage you to contact our customer service team. Contact us.
You are not required to obtain a PIN number for your Health FSA debit card. If you choose not to obtain one, a merchant may require you to provide a different form of payment when processing your FSA eligible transaction. You will then be able to submit your claim by completing a Health FSA reimbursement form. Access our claim forms here.
Debit Card PIN Requirement FAQs
- Why is American Fidelity adding a PIN option now?
Answer: The PIN option is being added by our debit card vendor in order to be in compliance with newly enacted legislation which must be in place by April 1, 2013. The Durbin Amendment, which is part of the Dodd–Frank Wall Street Reform and Consumer Protection Act, requires that electronic payment cards, including debit and prepaid cards, have at least two network routings (the path that a transaction follows from the merchant to a credit card network such as VISA, Mastercard, American Express or Discover). This provision of the Amendment is aimed at reducing card costs for merchants and increasing competition in payment processing.
- Can my dependents also obtain a PIN for their debit cards?
Answer: Yes, a dependent’s PIN can be obtained by following the same instructions as above. The “View PIN” option will be next to each card number.
- Is it required that I obtain my PIN?
Answer: No. If you choose not to obtain a PIN, you may ask your merchant to process the transaction as a credit card or signature debit. The merchant may agree to do this or may request a different form of payment.
- Will my debit card need to be reissued due to the PIN requirement?
Answer: No, the PIN will work on debit cards currently in use. Once your card expires and/or you are issued a new card, then a new PIN will also be issued. If a debit card is lost or stolen and a replacement card is requested, the participant will need to obtain their new PIN for the newly issued card.
- What if I forget my PIN?
Answer: If you forget your PIN for your Flex debit card, you can log onto the Alegeus website and view your PIN at any time. Due to security requirements, American Fidelity cannot access a participant’s PIN for them. If you are at a merchant and have forgotten your PIN, you can ask the merchant to process the transaction using a signature debit instead of a PIN. The merchant may agree to do this or may request a different form of payment.
- Can I change my PIN to something I can more easily remember?
Answer: No, the PIN is system-generated and cannot be changed, reset, or customized.
- Can I use the PIN to withdraw cash from an ATM or get “cash-back” on a PIN debit purchase?
Answer: No, the Flex debit card is not cash-enabled.
- I tried to use my card at the same pharmacy I’ve used in the past, I entered my correct PIN, but the transaction was declined. What happened?
Answer: There is a registration process that merchants must complete with SIGIS (the organization that oversees the health benefit payment card transactions) before the PIN network can be used successfully. If a merchant fails to complete this registration, the transaction will be denied even though the merchant has gone “live” with the PIN standard. In this case, ask the merchant to process the transaction as a signature debit.
- Will I always be asked for a PIN?
Answer: Not necessarily. This will only be required if the merchant has chosen the PIN network.
- What do I do if I feel my PIN has been compromised?
Answer: Contact American Fidelity and report your debit card as lost/stolen and request a new one. You will be issued a new card with a new PIN.