• Add multiple authorized users to your account, each with an assigned pre-set limit
  • Revolving credit and non-revolving credit (must be paid in full by due date) options are available
  • No annual or transaction fee
  • Protected by EMV chip technology (see the FAQ tab for more information)
  • Automate payments from your Empower Business Checking account
  • Use Online Banking to view activity and pay bills
  • Access cash-advance services at Empower branches
  • Streamline online ordering using the MasterPass digital wallet service (see the FAQ tab for more information)

60-Day Price Protection – If you find a lower price for a new item within 60 days from the date of purchase using your eligible Mastercard card, you may be reimbursed for the price difference.*

1-Year Extended Warranty – Doubles the original manufacturer’s or store-brand warranty for up to one year when you pay with your eligible Mastercard.*

Identity Theft Resolution Services – Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.*

Zero Liability1 – Pay only for purchases you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

Mastercard Global Emergency Services – Provides 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, as well as assistance with locating ATMs and help with account-related questions.

Priceless®Cities – Get insider access to one-of-a-kind experiences and offers in some of the world’s most exciting cities.

Airport Concierge™ – Arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival or any connecting flights, 24/7/365 at more than 450 destinations worldwide.

Purchase Assurance – Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase.*
*These are summary descriptions only. Additional terms, conditions and exclusions apply. Valid for Empower Federal Credit Union Business Credit Mastercard.

© 2014 Mastercard. All rights reserved. ® Mastercard, the Mastercard Brand Mark and Priceless are registered trademarks of Mastercard International Incorporated. 

1 Zero liability does not apply if the account is not in good standing or cardholder has not exercised reasonable care in safeguarding the card from theft or loss. See http://www.mastercard.us/zero-liability.html for more details.
Your Mastercard has an embedded microchip for a more secure transaction. Simply insert your card at checkout, when possible. If a chip-friendly reader is not available, you can swipe your card as you always have.

Q: What are chip cards?
A: The chip contains your card number, name, and other account information. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.

Q: What are the benefits of chip technology?
A: The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

Q: Why is my card being upgraded to a chip card?
A: Chip technology is already used in other countries and now coming to the U.S. Your new chip card provides an extra level of security and is easier to use at international locations.
Chip card inserted into card reader Q: How is this card different from a magnetic stripe card?
A: A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction. Once inserted, do not remove the card until the transaction is complete.

Q: How does chip technology work?
A: Every transaction with a chip card has unique data in it. Chip transactions are dynamic, not static like magnetic stripe cards. That is why if someone were able to intercept one of your chip transactions they would not be able to use that information again. This stops fraudsters from being able to create counterfeit chip cards.

Q: Are chip cards new?
A: Although chip cards are relatively new in the U.S., they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.

Q: Where can I use my chip card?
A: Use your chip card at the exact same merchants you do now—by inserting the card into card terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.
Q: What is MasterPass?
A: MasterPass by Mastercard is a digital wallet service that makes online shopping safe, easy, and convenient. MasterPass stores your payment and shipping information in one central, secure location. With MasterPass, you can shop, click (or tap), and checkout faster online.
Q: What cards can I use with MasterPass?
A: You can add credit, debit, or prepaid cards from Mastercard, Maestro, American Express, Diner’s Club, Discover, and Visa. When entering your card information into your wallet, first enter your Empower-issued card, and then you’ll be able to add up to 25 additional cards.

Q: How do I use MasterPass to buy something?
A: Once you’ve filled your online shopping cart and are ready to checkout, click or touch the Buy With MasterPass checkout button and select your Empower MasterPass wallet. Sign-in may take place on the checkout page or you may be redirected to Mastercard to complete the sign in process. Once logged in, you can select your Empower credit or debit Mastercard and shipping address. If you wish to use a card or shipping address that you haven’t already added to your MasterPass, just click or tap the Add option. Once you choose your card and shipping location, you’ll have an opportunity to review your order before completing checkout.
Masterpass can be used on tablet devices, smart phones, and laptop/desktop computers
Q: Is MasterPass safe to use?
A: Absolutely. It’s our top priority to keep your personal information safe. Mastercard uses secure servers and multi-part authentication including your login, address verification, encrypted data transmission, and other advanced authentication tools. Mobile/SMS verification is an optional setting you may use for an additional layer of security.

Q: Do I have to pay to use MasterPass?
A: No, there are no fees or charges to use MasterPass. But remember, if you ever opt to receive notifications about your account by text message, you may incur standard messaging fees from your mobile phone carrier.

Q: What is Mobile Verification?
A: Mobile verification is an additional safety measure to keep your personal information secure. It protects your account from abuse or compromise at sign-in. While MasterPass doesn’t charge you for these text messages, please keep in mind that you may incur standard messaging charges from your mobile provider, depending on your text and data plan.

You can add this extra layer of security by enabling Mobile Verification in your Preferences. During checkout from your computer, after you’ve selected your card and shipping address, you will receive a text message with a four-digit verification code to your mobile phone; enter that one-time-use verification code and checkout is complete.
Q: Why are you replacing my existing card with a new Mastercard?

A: We’ve partnered with Mastercard to better serve you and provide enhanced benefits.

Q: Where can I use my new Mastercard?

A: Your new card offers unsurpassed acceptance for purchases at millions of places that take Mastercard payments, such as restaurants, gas stations, doctors’ offices, department stores, home improvement stores, airlines, hotels, and online merchants.

Q: Will a member’s credit score be affected by the conversion?

A: No, because the loan itself is not changing. It is no different than any other card replacement.
Q: What should I do about charges automatically billed to my old card?

A: You must provide your new card number and expiration date to companies (like online service providers, newspapers, or the phone company) that automatically bill your card.

Q: How do I keep track of my transactions?

A: All transactions will be listed on your monthly account statement. Plus, you can check the status of your account or review transactions 24-hours via online access. Simply log in to view your account.

Q: What should I do if my card becomes lost or stolen?

A: You should call us immediately at 800.462.5000.

Q: I have a joint account, and each of our cards have a different number. Is it still a joint account?

A: Yes, although the account is joint, each cardholder has a unique card number embossed on their plastic. All cards will still remain attached to the same credit limit as they are today. Purchases from each card will still accumulate joint rewards points and will continue to have one statement. However, if one of the cards is lost or stolen, we can simply block the impacted card instead of the entire account.

Q: Will my Credit Card Rewards Points Program change?

A: No. The “Visa” Rewards Program is really an Empower Rewards Program and is determined by Empower, not Visa or Mastercard. However, because Empower determines the Rewards Program, we can change it at any time. If anything, the Empower Rewards Program will be improved. We are currently researching new and better ways to provide Rewards in the future. There will be no changes to the Rewards Program in 2015.

Q: Will my current Rewards Points totals convert as well?

A: Since Empower manages its own Rewards Program, you do not need to do anything as the Rewards Program (and vendor) is not changing at this time. Your Reward Points total will convert.

Q: How do I activate my card(s) or change my PIN?

A: You may call 866.642.0450 to access the Interactive Voice Response (IVR) system 24/7. This makes it easy and convenient to activate your card(s).

Q: How do I change my PIN?

A: You may call 1.877.265.9594 to access the Interactive Voice Response (IVR) system 24/7. This makes it easy and convenient to change the PIN.

Payment Processing Solutions

Whatever you sell, however you sell, start with industry leading in-store payments. Get the device that’s right and accept payments that your customers want.

To Apply: After completion of the PDF application, please submit a hard copy to our Business Lending Department:

Empower Federal Credit Union
Business Lending
1 Member Way
Syracuse, NY 13212

Please note: In order to process the application, all required information must be provided and be complete.

What do you want out of life?

Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200.

* Home mortgages available in FL, PA, CT, NY and NC.