Lots of questions. All the answers.

Great Question!

• Call us at 847.576.5199 or toll-free 877.270.6392 to have us process a cash advance for you.
• Visit an Andigo branch. At your request, we would deposit the funds into your checking account and send a check from your checking account to the other financial institution in which you want to transfer your credit balance from.
• OR you can provide the institution name and account and we can send a check
• OR electronic payment on your behalf.

Common issues:

• You may not have enough funds available in your account.
• Did you make a deposit recently? May just be that your account hasn't updated yet.
• You may be using an incorrect PIN number.
• If it's a new card, it might not be activated yet. Go to an ATM and to perform a transaction (e.g., balance inquiry or withdraw funds) or call 866.633.5293 to activate it before you try to use it.
• The store/site you're trying to buy from may be experiencing difficulty with their equipment (e.g., their system might be offline).
• The strip on the back may have been demagnetized, so you'll need to order a new card.
• Your card may be temporarily blocked by fraud department for possible suspicious activity and needs a verification.

Regardless, give us a call and we'll help you figure it out 847.576.5199 or toll-free 877.270.6392.

If you know your current PIN (Personal Identification Number) for your Visa credit card, then you can call us 866.297.3408 and we'll customize it for you.

If you don't know your current PIN, call us at 847.576.5199 or toll-free 877.270.6392 and request that we mail you a new PIN.

For activating your debit card/changing PIN, call us at 866.633.5293.

We are here to help and answer all your questions!

They're all your points. Mix and match as you'd like. When you are ready to redeem your ScoreCard reward points just call us at 847.576.5199 or toll-free 877.270.6392 or if you're feeling #throwbackthursday, you can fax, snail mail, or personally deliver a request to combine the points.

Write a letter stating that you want your ScoreCard points combined. Include the specific card numbers you want combined and your signature. Choose any one of the following options for delivery to us:

• Fax to 847.576.1303, Attn: Operations
• Bring it in to your local Andigo branch
• Mail to: Andigo, 1501 E. Woodfield Road Suite 400W Schaumburg, IL 60173

If your kiddo is under 18, she/he will need to have a joint account with an adult. There's also the option of a UTMA (Uniform Transfers to Minors Act) account, in which the parent is holding the funds for the benefit of the minor until they reach a certain age, so the minor does not have access until that age, and therefore can not have a debit card.

If your child is over 18, we'd be happy to set up a regular ol' account for them.

If you're traveling overseas keep in mind the foreign transaction fee:

credit cards: 2.00% of each transaction in US dollars
debit cards: 1.00% of each transaction in US dollars

Don't forget that we reimburse ATM fees (up to $12) if you have one of our Cash Back or High-Yield Checking accounts.* Once you get to your destination, take cash out at the local ATM and shop fee free!

Note about the VISA Platinum Foreign Transaction Fee: International Transactions (Transactions completed by merchants outside of the United States are considered foreign transactions, regardless of whether you are located inside or outside the United States at the time of the transaction).

When you contact us at 847.576.5199 or toll-free 877.270.6392 to let us know you need a PIN, we'll randomly generate a PIN that will be mailed to your address on record with us.

Once you receive your PIN in the mail, you have the option to customize your PIN by calling 866.297.3408.

You'll need the current PIN we've mailed you in order to create a custom PIN.

To activate your Andigo Debit Card:

Option 1: Call 866.633.5293 from the phone number you have on file with Andigo and follow the prompts. This is our favorite option. It's the most convenient for you.

Option 2: Use your debit card with your PIN at any ATM or retail location.

Just visit and login to our ScoreCard rewards site. 

If it's your first time and you need to create a login, you'll enter your name, your 16-digit card number, zip code and email address. You'll need a separate login for each card if you have multiple Andigo cards. Once you're in, you'll have a treasure trove of awards fun to play with.

You can:

• View your point balance
• Search and view both merchandise and travel awards
• Create wish lists, lets you forget what your heart desires
• Redeem points online for merchandise and travel awards
• Update your profile and find out about any ScoreCard rewards offers (such as sweepstakes or double point promotions)

If you can vote, you can get a debit card. If you're under the age of 18, you can open what we call a custodial or UTTMA account that's requested by a parent or guardian.

If you're under 18 and want to open a checking account, give us a call at 847.576.5199 to discuss opening a minor account.

1. Pay online: Click "My Accounts" link under the "Transfers" heading on the left menu bar. Then set up a transfer from your Savings or Checking account to your Visa account to make the payment. Payments are posted the same day as long as you schedule it by 5:00 pm CST.
2. Pay by mail: Send a check payable to Andigo-Visa at PO Box 4521, Carol Stream, IL 60197-4521, including your account number on the check. It takes about five days for mail delivery, so don't wait until the week it's due if you can avoid it.
3. Pay by phone: Call us at 847.576.5199 or toll-free at 877.270.6392 and select option 3 and then option 1.
4. Pay in person: Find and visit any of our branch locations near you.
5. Pay from another institution: You can do this one time, or recurring by clicking "Credit Card History" on the left menu bar.
   - Make sure your pesky pop-up blocker is disabled and then click "Submit." Your Visa information will appear in a separate window.
   - Then click "Payment" to make payment from another institution.

We're just being extra cautious for security reasons. If you got a new card because your old card was lost or stolen, we'll issue you a new PIN as well. The PIN should arrive within a few days of receiving your card. We send them separately to be super cautious.

If it's been more than a few days and you haven't received a PIN or you can't remember it, give us a call at 847.576.5199 or toll-free 877.270.6392 and we'll send you a PIN reminder.

Immediately contact Visa at 800.500.1044 to report your Visa Debit Card as lost or stolen. They'll block your card to make sure no one makes any further transactions on it.

Then to order a replacement card, just call us at 847.576.5199 or toll-free at 877.270.6392.

Remember, you're totally protected from unauthorized transactions. Our total protection guarantee ensures that your liability will be zero dollars. Nothing. Nada. We've got your back.

1. Log into your account via online banking and click on the Visa link
2. In the Current Account Summary box, click View Transactions
3. From the Previous Statement Activity link, click on the drop down button and pick the month you want to review.
4. You can print the statement by clicking on the print button.

Andigo Visa Debit Cards are the best, you may have heard. They are like an all-access, 24-hour pass to your checking funds at participating ATMs and any store that accepts Visa.

You can also take cash advance withdrawals from your checking account at any VISA merchant bank worldwide, not just Andigo branches. You in? Thought so.

Here's how you get one:

• Open a checking account in person at any branch, by calling us at 847.576.5199 or toll-free 877.270.6392, or online.
• They take 7-10 business days to arrive by US mail
• If you're antsy, you can get it priority delivered via FedEx for a fee of $15.

Learn more about your rights with regards to electronic funds transfers, including our overdraft privilege service.