Business Credit Card System Upgrade: What You Need to Know

Suncoast is changing the credit card processor to better serve your credit card needs. This change requires that a new card be issued.

No. Your interest rate and other terms on your business account will not be changing.

You will no longer receive a PIN in the mail, and your old PIN will not work with the new card. You can select your unique PIN by calling the number on the activation label and choosing the PIN option.

To set up your Personal Identification Number (PIN), call 800-416-6609. If calling internationally, call 678-256-8464 to create your PIN.

No. Your existing card will not work after 6/15/26 at 5:30 a.m. EDT. Instructions will come with your new card to ensure it is ready to use on or after 6/15/26.

EMV stands for Europay, Mastercard® and Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. 

This smart chip technology features credit cards with embedded chips that will help increase security and reduce fraud. This standard has many names worldwide and may also be referred to as: "chip and signature."

Yes. Your card will be accepted at all merchant locations.

To ensure there is no interruption in recurring or preauthorized payments (such as monthly telephone, electricity, gas bills, insurance, clubs), contact the merchant on or after the 6/15/26 with your new card number and expiration date.

No, your due date will stay the same.

Yes, your payments need to go to a new location. The new address will be included on your statement. 

If you pay your bill through online bill payment, you will need to update the mailing address to P.O. Box 2711, Omaha, NE 68103-2711 on or after 6/15/26 to ensure that your payment reaches the processor by your due date.

To ensure there is no interruption in automated payments, contact the provider of this service (i.e., another bank or bill pay service) on or after 6/15/26 to provide your new card number and payment address of P.O. Box 2711 Omaha, NE 68103-2711.

Even if your automatic payment is set up with Suncoast, you will still need to update your payment information with your new card details.

You will not be able to access statements/history online as of 6/15/26, so we recommend you save the statements or print hard copies you may need in the future before this date.

Tokenization may not be available immediately on the conversion live date (6/15/26). While we anticipate enabling tokenization as soon as possible, it may take up to 12 weeks after 6/15/26 for this feature to become fully available.

Once tokenization is live and your new credit card is activated, you’ll be able to add it to digital wallets such as Apple Pay®, Google Pay™, Garmin Pay™, and Samsung Pay™. Tokenization replaces your actual card number with a unique digital token, enhancing security for mobile and online transactions.

Here are some details to know:

• You must activate your new card before adding it to a digital wallet

• Each cardholder (primary and secondary) can tokenize their individual card numbers

• If your old card was previously tokenized, you will need to re-add the new card manually once tokenization is available

• Tokenization will be supported for all major mobile wallet platforms once live

Beginning 6/15/26, Suncoast is introducing a new online/digital resource for Digital Credit Card Management powered by Spendtrack.

This is a dedicated online portal where you'll manage your business credit card account. Spendtrack provides access to transactions, statements, payment information, alerts, and eStatements in one place.

Additional details, including enrollment information and getting-started instructions, will be provided to primary account holders and program administrators.