Credit Cards

Frequently Asked Questions

 

 

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General

When will I receive my credit card?

We will mail your card in 3-5 days and it should arrive within 7 - 10 days.

When will I receive my PIN?

You should receive your PIN in the mail a few days after your card arrives. You are also welcome to visit an Amegy banking center to customize your PIN.

Does the bank offer electronic credit card statements?

Yes, once you receive your credit card, log into online banking to select electronic delivery to conveniently and securely organize a history of your statements.

I have one of your personal legacy credit cards (not one of the AmaZing branded cards), where can I view my Card Agreement and Disclosures?

Your Agreement and Disclosures are available in the Agreement Center on our web site. 

Can I add security alerts to my credit card to monitor purchases for potential fraud?

Yes, once you receive your credit card, we encourage you to set up Purchase Alerts® via online banking to monitor select purchases.

AmaZing Cash

How does the AmaZing Cash program work?

The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. It is also available upon request on the AmaZing Launch Card. You earn 1% cash back on all purchases made with the card. Once at least $25 is earned in cash back, you may access your account online and request a cash back payment to your deposit account or as a credit card statement credit.

 

 

Is there an earnings cap with AmaZing Cash?

No, there is no earnings cap with the AmaZing Cash Program.

 

 

Does cash back ever expire?

No.

What types of accounts can be used for my automatic cash back deposits?

The cash back deposits can be made into your checking or savings account or as a credit to your credit card statement.

How do I enroll in the AmaZing Cash program?

If you have an AmaZing Cash Visa Card or an AmaZing Cash Visa Signature Card, you are automatically enrolled in the AmaZing Cash program. If you have an AmaZing Launch Visa Card, you must select the AmaZing Cash option on the application.

How much cash back do I earn?

1% Cash back applies to net purchases only. You do not earn cash back on cash advances, fees, quasi-cash, accumulated interest and fees or returned merchandise.

Will there be a special cash back promotion available?

Promotions may occur periodically.

Is there an annual fee?

No. There is no annual fee for AmaZing Cash and AmaZing Cash Signature.

How will I track cash back earned?

You may track the amount of cash back earned via your credit card statement. Your monthly credit card statement will show (1) the beginning balance of cash back earned, (2) the amount of cash back earned in the statement period, (3) The amount of cash back redeemed for the statement period and (4) the balance remaining of cash back.

Do I earn cash back if my account is past due?

Cash back accrual will be suspended for any monthly period that you are past due more than 60 days. However, if your account becomes current, you will receive the accrued cash back prior to the suspension.

Is there a need to provide reporting of cash back as income?

No.

Can this program be combined with AmaZing Rewards?

No. You may only be enrolled in one program at a time

Do I earn cash back if I go over my credit limit?

Yes. There is no over limit penalty for earned cash back. If your account goes over limit, you will still earn cash back on purchases.

Do I earn cash back if I go over my credit limit?

Yes. There is no over limit penalty for earned cash back. If your account goes over limit, you will still earn cash back on purchases.

AmaZing Rewards

AmaZing Rewards FAQs

The AmaZing Rewards Program is subject to the Terms and Conditions (available on the AmaZing Rewards landing page within online banking) and all applicable laws, which take precedence over these FAQs. For any additional questions, call the Contact Center at 855-662-9200.

How does AmaZing Rewards work?

AmaZing Rewards allows you to earn points for purchases made with your Amegy Bank Visa credit card. Those points can be redeemed for qualified purchases made with your credit card.

What is the difference between this AmaZing Rewards program (effecitve 11/15/2012) and the previous one?

With the new AmaZing Rewards program you have many options. Instead of going through a catalog and choosing from a list of items, you can now make purchases with your credit card and then go online and choose which of your purchases you want to redeem points for. A minimum of 2,500 points are required to redeem.

How do I track rewards points earned?

You may track your AmaZing Rewards points on your monthly credit card statement or by visiting the AmaZing Rewards page within your online banking profile.

Do AmaZing Rewards points expire?

Your rewards are yours for the life of the account—they will not expire. But if your account is closed, or if the program is cancelled, you will lose any rewards you have not redeemed.

How do I earn points?

You will earn 1 point for every dollar spent on qualifying purchases with your AmaZing Rewards credit card. It’s that easy. Use your card and earn rewards. Rewards points not earned on cash advances, balance transfers, fees, quasi-cash transactions, such as the purchase of traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraudulent charges, foreign cash transactions, casino gaming and betting, and lottery tickets.

Is there a limit to the amount of rewards I can earn with AmaZing Rewards?

There is no cap to the amount of rewards you can earn on qualifying purchases.

Why don't my points increase every time I make a purchase?

Points are posted once a month. Your monthly statement will show the number of points you have earned since your last statement as well as the total number of points available for redemption as of the statement date.

How many points do I need in order to redeem?

You must have at least 2,500 AmaZing Rewards points available in order to redeem and redeem at least 2,500 points at a time. You may combine a number of smaller purchases in order to reach the 2,500-point minimum.

If I do not pay my credit card bill in full every month, will I still earn rewards?

You do not have to pay your bill in full every month to earn rewards. Just be sure to pay your minimum monthly payment by the due date and keep your account in good standing, and you will continue to earn rewards.

How do I redeem my points?

It’s easy! All you do is log in through online banking. Once there, you will be able to access AmaZing Rewards. In the AmaZing Rewards system you will see all purchases made in the last 90 days, and you can choose which purchases you want to redeem your points for. We will issue you a statement credit for those purchases. To redeem points over the phone, call the Contact Center at 855-662-9200.

What is the statement credit amount for redeemed points?

A statement credit for your redemption(s) will be applied to your card account, which will appear on your next monthly statement. (1 AmaZing Rewards point = $.01 statement credit; a redemption of 10,000 points = a $100 statement credit). Your rewards points have no cash value and cannot be redeemed for cash.

How long will purchases be available to redeem points against?

Purchases will be eligible for redemption for 90 days from the date of the transaction.

Are there limits to what I can redeem for?

You will earn 1 point for every dollar spent on qualifying purchases with your AmaZing Rewards credit card. It’s that easy. Use your card and earn rewards. You can redeem for any qualifying purchase made in the last 90 days. Rewards points not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets.

Can I redeem points for gift card purchase?

Yes, gift cards are considered a qualified purchase to redeem points against. You can use your AmaZing Rewards credit card to purchase gift cards at the online or in-store merchant of your choice and then log on to online banking (or call the number on the back of your AmaZing Rewards credit card) to redeem your available AmaZing Rewards points towards the cost of the gift card.

How long will it take to see the credit to my account?

Typically, it will take 2-3 business days to see the credit post to your credit card account.

If I receive a statement credit, will I still need to make a payment?

Yes, you will still need to pay the Minimum Payment Due as shown on your credit card statement; however, the account credit does decrease your account balance. Your account must be open and in good standing to earn or redeem points.

Where can I see the AmaZing Rewards Terms and Conditions?

You may view or print a copy of your rewards terms and conditions the AmaZing Rewards website (which is accessible from your online banking profile).

Contactless Card

What is an Amegy Bank Contactless Visa card?

An Amegy Bank Contactless Visa card is a debit or credit card enhanced with a payment feature from Visa that allows you to pay for purchases by simply waving your card in front of a secure reader that accepts contactless card payments. As of December 1, 2014, in preparation for EMV chip enabled cards, we no longer offer the Contactless Card option on newly issued cards.

Are Contactless cards the same as cards with Visa payWave?

Yes. Visa payWave is the name of the contactless feature on Visa cards. Visa payWave still offers cardholders speedier checkout, as well as freedom from swiping or signing for most transactions under $25.

How does an Amegy Bank Contactless Visa card work?

Amegy Bank Contactless Visa cards complete your transaction by using the latest radio frequency (“RFI”) technology to send encrypted account information to readers that are configured to accept contactless payments. For most transactions under $25, there is no need to sign a receipt, enter your PIN, or hand your card to the cashier. Nothing else about the transaction process changes; the purchase is authorized, processed, and billed the same way it is with traditional purchase methods.

To determine if your card has a contactless feature, just look for this symbol on your card: 

Are both Amegy Bank Check cards and Amegy Bank Credit Cards available with the contactless feature?

Existing debit and credit cards with the contactless feature will continue to work. However, as of December 1, 2014, in preparation for EMV chip enabled cards, we no longer offer the Contactless Card option on newly issued cards.

Where can I use my Amegy Bank Contactless Visa card?

Amegy Bank Contactless Visa cards can be used at merchants displaying this symbol on terminal readers:

Because Amegy Bank Contactless Visa cards have a magnetic stripe, they can also be used for traditional swiped transactions at millions of locations worldwide.

Thousands of retailers accept Amegy Bank Contactless Visa card payments, and the list is rapidly growing. For a list of merchants near you that accepts Amegy Bank Contactless Visa cards, visit the Visa payWave site.

How do I use my Amegy Bank Contactless Visa card?

When you are ready to make a purchase, hold your card 1-2 inches directly in front of the contactless card terminal at the checkout.

If the terminal prompts you to select either credit or debit, select “credit”. By choosing that option, your payment will be immediately processed through the same safe, secure, and reliable payment network as magnetic stripe transactions.

Once your transaction has been approved, you’re finished! No swiping or signing. It’s that easy!

I have an Amegy Bank card with the myPHOTOcard customization. Is this feature also availble with Amegy Bank Contactless Visa cards?

No. Personalized photo images (“myPHOTOcard”) will not be available on Amegy Bank Contactless Visa cards because of possible damage to the radio frequency (“RFI”) antenna during the photo lamination process.

What should I do when I am asked to enter a PIN number?

If you are asked to enter your PIN number after waving your card in front of the secure reader, choose “cancel” and then choose “credit”. Nothing else about the transaction process changes; similarly, the purchase is authorized, processed, and billed the same safe way as a magnetic stripe transaction.

Will I be required to swipe my card for purchases greater than $25?

Some merchants will allow you to use your Amegy Bank Contactless Visa card to pay for purchases that are greater than $25. However, to lower risks of fraud, most merchants have chosen to restrict contactless card purchases to less than $25.

What should I do if I can't complate a contactless card transaction at a participating merhcant?

Look for the following symbol at the point of purchase:

You should also check to ensure that the merchant accepts contactless card transactions. In the event that a contactless card transaction cannot be completed, you can still rely on making a swiped transaction with your Amegy Bank Contactless Visa card since they also have magnetic stripe functionality.

Are Amegy Bank ATM cards available with the contactless feature?

No, the contactless feature is not available on Amegy Bank ATM cards.

Is my information safe when paying with my Amegy Bank Contactless Visa card?

Contactless card transactions are just as secure as magnetic stripe transactions and are processed through the Visa’s reliable payment network. Your Amegy Bank Contactless Visa card also generates a unique digital watermark for every transaction to prevent unauthorized transactions.

Active cardholder participation is required to perform a transaction, as the card must be within 1-2 inches of the secure reader that accepts contactless cards payments and must be correctly oriented to be processed. Additionally, a checkout terminal can process only one device at a time, so transaction errors are minimized.

How am I protected if my Amegy Bank Contactless Visa cards are lost or stolen?

An Amegy Bank Contactless Visa card provides cardholders the same protections as standard Amegy Bank Visa cards. You'll enjoy the peace of mind that comes from multiple layers of Visa security, including Zero Liability , which protects you from fraudulent use of your card or account information. With Zero Liability, you pay absolutely nothing for unauthorized transactions.

Where can I get more information about Amegy Bank Contactless Visa cards?

You can call BankCard Services at 866-749-7459.