VRU Updates Improve PIN Security

The VRU is an automated system that handles card activation and PIN changes via the telephone.

When a cardholder calls the VRU to change their PIN, the VRU will prevent the cardholder from selecting a new PIN that has repetitive digits (e.g., 1111) or sequential digits (e.g., 1234 or 4321) or that matches the last four digits of their Social Security or Tax Identification number.

If a cardholder attempts to change their PIN to one of these prohibited numbers, the VRU will announce, “Your new PIN does not meet our security standards.” If the cardholder makes three failed attempts, the VRU will direct them to contact their financial institution.

In addition, cardholders can now set a PIN that begins with a zero.

The telephone number for the VRU is printed on all card mailers: 1-877-219-4344.

These changes are effective immediately.