Card Center

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Important Information For Visa® Credit Card Holders

Charter Oak has teamed up with Elan Financial Services (“Elan”), a leader in the credit card industry, to provide our members with an improved credit card product. To accomplish this, we will be transferring ownership of your Charter Oak Visa® credit card account to Elan effective August 18, 2023. New credit cards will be issued during the first week of August.

  • August 8 - 14: Charter Oak members will begin receiving their new cards.
  • August 14: Charter Oak will no longer offer Cash Advances in the branches.
  • August 15: Last day to make a Visa® payment in a branch or online.
  • August 15: Visa® access will no longer be available through Online Banking.
  • August 15 - September 30: Visit to redeem your rewards.
  • August 17: Last day to use your old Charter Oak Visa® Card.
  • August 24: Elan will begin mailing out credit card statements.

Visa® Credit Cards

For questions about your account or to report a lost or Stolen Card.
24-Hour Service: 800.558.3424

For questions about your internet browser configuration or technical support for the Online Account Access website.
Technical Support: 877.334.0460

Send a Payment
Cardmember Service
P.O. Box 790408
St Louis, MO 63179-0408

Send an Overnight Payment
Cardmember Service
824 N 11th Street
St Louis, MO 63101-1016

Elan Conversion Frequently Asked Questions

The servicer of your account has been changed to Elan Financial With this change you will be able to take advantage of:

  • Exceptional Value – Enjoy the financial freedom you desire, with the added benefit of no annual
  • Continued Superior Service – Responsive, helpful, and prompt service is available 24 hours a day, 7 days a week when you contact Cardmember Service.
  • Online Access – View statements and receive free online business reporting through the Scoreboard reporting tool.
  • Reliable Fraud Protection – You’re protected from fraudulent use of your card or account information, so you won’t be held responsible for any unauthorized Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Cardmember Service promptly of any unauthorized use. Certain conditions and limitations may apply.

Consumer Card Accounts
As soon as you receive your new credit card, call to activate it and begin using it right away.
Business Card Accounts
Business cards do not require activation. Begin using it right away.

You will continue to enjoy the same credit limit on your new card. Your credit limit will be shown on the card mailer that will arrive with your new card.

You can call Cardmember Service at 1-800-558-3424 24/7 to apply for a credit line increase at any time.

Consumer Card Accounts
PINs may be requested once you receive your new credit card by contacting Cardmember Service. The phone number will be listed on the back of the card.
Business Card Accounts
Existing PINs will not convert. If your business account has cash access, a PIN will be mailed to you approximately five days after you receive your Elan Business Card.

Your payment due date may change. If you wish to select a new payment due date, you can contact Cardmember Service once you receive your first statement from Elan.

You will receive your new card before your current one expires.

All balances will transfer automatically to your new credit card account.

Your current insurance program has expired as of 07/31/23.

Yes, you will have a new credit card Account number.

Yes, anywhere your account is stored will need to be updated. Don’t forget to add your new credit card to your device.

No, this service cannot automatically be converted to your new Charter Oak Federal Credit Union Account with Elan. Please be sure to send your payment prior to the payment due date indicated on your most recent credit card statement from Charter Oak Federal Credit Union to avoid any potential late charges. You will receive AutoPay enrollment information soon.

You may pay your monthly bill by:

  • AutoPay - Pay Your Statement Automatically
  • Pay Online - A Quick Way to Pay
  • Pay by Phone - Call In Your Payment Each Month
  • Pay by Mail - The Traditional Way to Pay

Once you receive your new credit card, you will receive more information about enrolling in these payment options.

Please mail your payments to the address below

Cardmember Service
PO Box 790408
St. Louis, MO 63179-0408

The payment will be applied to your new Account number.

No, your new credit card has no annual fee.

Please refer to the change in terms notification letter dated 06/28/23 that was recently sent to you.

Once you receive your new credit card in August you may contact Cardmember Service directly by phone at 1-800-558-3424. The representative will discuss the specific criteria associated with a product change and may review other available offers.

We can request a reprint of your Change in Terms letter. Once the reprint is obtained we will mail it to the address we have on file.

No, however cardmembers will learn about new credit benefits and features through direct mail and statement inserts.

If you choose not to accept your new terms and wish to close your current account, please notify Elan by 08/17/23. You may notify them by contacting their 24 hour Cardmember Service Department at 1-800-242-4271 (Business = 1-800-249-0646), or in writing at the following address:

Cardmember Service – 32903
P.O. 6337
Fargo, ND 58125-6337

If you elect to opt out, you should continue to pay any outstanding balance as outlined in the terms of your existing account.

Please note: Even if you have notified us that you wish to close your Account as provided in the letter, the Account may continue to receive any recurring charges that were previously set up to happen automatically for items or services until you contact and cancel delivery with the company providing the item or service.

For more details about the new terms of your account, your responsibilities using your account and our responsibilities and obligations, please be sure to review your Cardmember Agreement as soon as you receive it.

Notify Elan regarding the decision to opt out (i.e., decision not to accept the new account terms) by 08/17/23.

Once you receive your new credit card you may contact Cardmember Service directly by phone at 1-800-558-3424 to request copies of previous statements.

Fargo, North Dakota, Coeur d’Alene, Idaho and Overland Park, Kansas.

Consumer: Yes, you will automatically be enrolled in a new Select Rewards program with great benefits.
Business: Yes, you will automatically be enrolled in a new Platinum Business Rewards program with great benefits.

You will no longer earn points under your current rewards program as of 07/31/23. The last date to redeem earned points on your current rewards program is 09/30/23.

Your previous rewards point balance will not be applied to your new rewards program. The last date to redeem earned points on your current rewards program is 09/30/23.

In August you will be able to redeem your new credit card reward points. You can call the Rewards Center at 1-888-229-8864 or visit the Online Account Access website at

If there is an Authorized Officer (AO) identified, they will be able to make changes on behalf of the company. If there is not an AO named, then a letter will be generated requesting one. No changes can be made to the company account without an AO on file.

If you are currently set up under Company and Authorized Officer liability, and named as the Authorized Officer, you and the company are identified as the liable parties for the credit card balances of the company.

The Business Card Company Profile form is used to obtain an Authorized Officer (AO), along with all regulatory required information.

Visa® Debit/ATM Card

A Visa Debit card works like a check. Just use your Visa Debit card when you are ready to pay. Debit card transactions are automatically deducted from your checking account and typically posted within 24 hours of your purchase.

You may stop into any Charter Oak branch location to receive an instant issue debit card. Requests can be made through a teller or member service representative. To expedite your request, call our Contact Center 860.446.8085 and request a card. If you are unable to stop into a branch during business hours, our Contact Center will have a debit card mailed to your address on file.

Call 1.800.992.3808 from the phone number associated with your account and you will be prompted to answer a few security questions. Once the questions are answered correctly your card will be activated.

Call 1.800.992.3808 from the phone number associated with your account and you will be prompted to answer a few security questions. Once the questions are answered correctly, the system will ask for a 4-digit PIN. Once accepted, the card can be used immediately

If your card is expiring there is no action required on your part to get a new one. A new card will be ordered for you automatically at the beginning of the month that your current card expires.

If you don’t recognize a charge from a merchant on your statement, please stop in to any of our branch locations and meet with a Member Service Representative to discuss it further, or please call our Contact Center at 860.446.8085 to discuss the charges.

Yes. The fee is 1.00% of each transaction in U.S dollars.

Yes. If you are traveling, please notify us so your Debit Card will work without any issues during your travels.

You can use your Debit Card as either Debit or Credit. If used as Debit, you will be required to enter your 4 digit PIN. If used as Credit, you will not have to enter a PIN but you will have to sign for the transaction.

Yes, there is a daily limit to the amount that you can use with your Debit Card. You are able to withdraw up to $500 from an ATM on a daily basis, and you can use your Debit Card in stores for up to $3,000.00 on a daily basis.

Yes. With Charter Oak’s Two-Way Text Alerts Fraud Monitoring, keeping your card safe is as easy as sending a text. With our interactive fraud alerts, if our system detects suspicious activity on your card, you will receive a text message to your cell phone with details about the suspected transaction. All you have to do is respond to the text with a “yes” or “no” to confirm or deny the transaction. You may also receive a call from 1.877.253.8964, which is our Fraud Detection company, trying to contact you to verify if the attempted transaction is legitimate. (If you haven’t updated your cell phone information with us, please send a secure message via our Online Banking service, call our Contact Center at 860.446.8085 or toll free at 800.962.3237, or visit any branch.)