Effective April 1, 2013...

Overview of the Durbin Amendments:

The Durbin amendment, Section 1075, of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 called for the U.S. Federal Reserve Board (FRB) to develop regulatory provisions that affect debit interchange rates, network exclusivity arrangements and transaction routing restrictions. The final regulations were issued on June 29, 2011.

The final rules related to network exclusivity prohibits all debit card issuers and networks from restricting the number of networks over which electronic debit transactions may be processed to less than two unaffiliated networks without regard to the authorized method. Meaning, one signature based network and one unaffiliated PIN based network. The effective date for issuers of certain health-related and other benefit cards is April 1, 2013.

Do I need a personal identification number (PIN)?

No, a personal identification number (PIN) is not required to use your flex debit card. To pay for purchases at merchants accepting debit cards, you can use the Card as you would a credit card, by selecting the “credit” payment option. If you would like to request an optional personal identification number (PIN), you can use your card as you would a debit card, by selecting “debit” payment option and entering the PIN at the merchant. The PIN cannot be used to give cash access at ATMs or cash back at the merchants.

How do I order a PIN #?

You may request your optional personal identification number (PIN), by contacting toll free: 866.679.7649. You will also use this hotline number if you lose/misplace your PIN number.

CPN is not involved with this process. CPN’s customer service cannot issue/reset personal identification numbers (PINs).

Thank you.

CPN Management