Contactless Debit Cards

Tap into faster, safer, and more convenient payments — our new contactless debit cards make everyday spending seamless. Just tap, pay, and go! See when yours is coming and explore all the benefits.

Everything You Need To Know For The GRB Debit Card Reissue

Genesee Regional Bank (GRB) is reissuing contactless debit cards to all business, personal, and Health Savings Accounts (HSA) cardholders The reissue will replace existing debit cards with updated versions that support secure, tap-to-pay technology. 

Customers will receive their new cards automatically by mail and can begin using them immediately upon activation. Existing PINs and card numbers will remain the same, minimizing disruption. 

Why We're Moving To
Contactless Debit Cards

Contactless debit card technology offers a faster, safer, and more convenient way to pay. With just a tap, you can make purchases at thousands of retailers without swiping, inserting, or handing over your card. This tap-and-go method uses secure encryption and short-range wireless communication (NFC) to protect your information while speeding up transactions. Benefits of contactless cards include:

  • Faster Checkouts - Simply tap your card and go! No need to insert or swipe at the terminal.
  • Increased Security - Each tap uses a unique, encrypted code to help protect your information!
  • Minimizing Physical Contact - Reduces wear on your card and reducing physical contact with payment terminals.

Contactless cards are accepted at most major retailers, restaurants, and transit systems, and can also be used for mobile wallet payments through your smartphone or smartwatch.

Whether you’re grabbing coffee or shopping for groceries, contactless payments make it easier to manage your day with confidence and security.

What to Expect

To prepare for the transition, customers should verify that the correct physical address is on file with GRB. You can verify your address in Online and Mobile banking in Settings > Profile. The address we have there is where your new card will be sent. If it is incorrect, please make any changes before Thursday, Aug. 21, before the cards go into production.

Important Dates
  • Aug. 25 to Sept. 10
    Customers receive new cards in the mail and can begin activating them (see boxes to the right with activation instructions)
  • Sept. 10
    If you have not yet received your card, please contact GRB to verify your information.
  • December
    Any cards remaining unactivated will be deactivated and customers will need to request a replacement.

Activating Your
Personal or HSA Card

You can activate your new contactless card in one of the following ways:

  • Using it at an ATM with your PIN
  • Use the Card Management dropdown menu online or in the mobile app
  • Calling GRB at 585.663.8930

Activating Your
Business Card

You can activate your new business contactless card in one of the following ways:

Card Usage Reminders

Limits
Business Cards
Personal Cards
HSA Cards
(Health Savings Account)
ATM Withdrawals
$505 daily cash limit
$510 daily cash limit

$1,010 daily cash limit for Elite accountholders
$510 daily cash limit
Point of Sales
Transactions
$4,000 daily purchase limit
$2,500 daily purchase limit

$5,000 daily purchase limit for Elite accountholders
$4,000 daily purchase limit

Frequently Asked Questions

Find quick answers to the questions we’re asked most frequently. If you can’t find what you need below or have additional questions, please contact our branch team at 585.663.8930.

How long do I have to activate my card?

You have 90 days to activate your contactless card.

All reissued cards not activated by December will be deactivated. Once a card enters this status it cannot be reactivated and requires customers to order a replacement.

Can I still use my old card?

You have 90 days to activate your contactless card. In the meantime, yes, your existing card will continue to work.

Once you activate your contactless card, your old card will no longer work and you should dispose of it in a secure manner. Contactless cards offer a number of security and convenience benefits so we encourage customers to activate them as soon as possible.

Why did I not receive a new card?

Beginning on July 1, 2025, any cardholder who received a GRB debit card for the first time or had one reissued for any reason (lost, stolen, expiring, etc.) has already received a contactless card. Those cards will not be included as part of this reissue.

If you did not receive a new card since July 1 and have also not received your new card by Sept. 10, please reach out to us.

Why did I receive multiple debit cards?

GRB provides several types of accounts, including Personal, Business and Health Savings Accounts, each with its own debit card. Some customers may receive reissued cards for multiple accounts at once. If you need help identifying which accounts are associated with the received debit card, please contact us.

Will I receive a password in the mail separate from my card?

No, your new contactless card will be activated either by using the new card with your existing PIN at an ATM, logging into your secure online or mobile banking account and using Card Management, or by contacting GRB and answering challenge questions on your account.

Can I activate my new card online?

Yes, GRB Online and Mobile Banking users are able to activate their cards using the Card Management drop down in the main navigation menu.

Will the new card mean I have to change my PIN?

No. If you currently have an active debit card, your new contactless card will use the same PIN.

Does the contactless card work with my digital wallet?

Yes, contactless cards are designed to work with digital wallets.

Do all stores accept contactless card payments?

Not yet, but most do. Major retailers, fast food and chain restaurants, public transit, online retailers using mobile wallets, and even vending machines and kiosks with updated. terminals will accept contactless cards. You still have the option to swipe or insert your card in a chip reader if needed

GRB Debit Card Reissue

Genesee Regional Bank (GRB) is reissuing contactless debit cards to all business, personal, and Health Savings Accounts (HSA) cardholders The reissue will replace existing debit cards with updated versions that support secure, tap-to-pay technology. 

Customers will receive their new cards automatically by mail and can begin using them immediately upon activation. Existing PINs and account numbers will remain the same, minimizing disruption. 

Why move to contactless debit cards?

Contactless debit card technology offers a faster, safer, and more convenient way to pay. With just a tap, you can make purchases at thousands of retailers without swiping, inserting, or handing over your card. This tap-and-go method uses secure encryption and short-range wireless communication (NFC) to protect your information while speeding up transactions.

Contactless cards are ideal for everyday purchases, helping you move through checkout lines quickly and reducing physical contact with payment terminals. They’re accepted at most major retailers, restaurants, and transit systems, and can also be used for mobile wallet payments through your smartphone or smartwatch.

Whether you’re grabbing coffee or shopping for groceries, contactless payments make it easier to manage your day with confidence and security. No PIN required for most transactions under a set limit — just tap and go.

Streamlining the process of receiving your contactless card

To prepare for the transition, customers should verify that the correct physical address is on file with GRB. You can verify your address in Online and Mobile banking in Settings > Profile. The address we have there is where your new card will be sent. If it is incorrect, please make any changes before Thursday, Aug. 21, before the cards go into production.

Card receipt and activation timeline

  • Aug. 25 to Sept. 10 - Customers receive new cards in the mail and can begin activating them.
  • Sept. 10 - If you have not yet received your card, please contact GRB to verify your account information.
  • December - Any cards remaining unactivated will be hot carded and customers will need to request a replacement.

You have approximately 90 days to activate your new contactless card. 

Activating your contactless debit card

You can activate your contactless card in one of the following ways:

  • Use it at an ATM with your current PIN.
  • If you are an Online or Mobile banking user, use the Card Management dropdown menu.
  • Please contact GRB during business hours at 585-663-8930. Be prepared to answer the challenge questions you set up to secure your account.

Debit card usage reminders

As a reminder, each debit card has different usage guidelines. You can review them below:

Limits

Business cards
Personal cards
Health Savings Account cards

ATM withdrawals

$505 daily cash limit

$510 daily cash limit

$1,010 daily cash limit for Elite accountholders

$510 daily cash limit

Point of sale transactions

$4,000 daily purchase limit

$2,500 daily purchase limit

$5,000 daily purchase limit for Elite accountholders

$4,000 daily purchase limit

Frequently asked questions

How long do I have to activate my card?

All reissued cards not activated by December will be hot carded. Once a card enters this status it cannot be reactivated and requires customers to order a replacement. 

Can I still use my old card?

You have 90 days to activate your contactless card. In the meantime, yes, your existing card will continue to work. Once you activate your contactless card, your old card will no longer work and you should dispose of it in a secure manner. Contactless cards offer a number of security and convenience benefits so we encourage customers to activate them as soon as possible.

Why did I not receive a new card?

Beginning on July 1, 2025, any cardholder who received a GRB debit card for the first time or had one reissued for any reason (lost, stolen, expiring, etc.) has already received a contactless card. Those cards will not be included as part of this reissue.

If you did not receive a new card since July 1 and have also not received your new card by Sept. 10, please reach out to us.

Will I receive a password in the mail separate from my card?

No, your new contactless card will be activated either by using the new card with your existing PIN at an ATM, logging into your secure online or mobile banking account and using Card Management, or by contacting GRB and answering challenge questions on your account.

Can I activate my new card online?

Yes, GRB Online and Mobile Banking users are able to activate their cards using the Card Management drop down in the main navigation menu.

Will the new card mean I have to change my PIN?

No. If you currently have an active debit card, your new contactless card will use the same PIN.

Does the contactless card work with my digital wallet?

Yes, contactless cards are designed to work with digital wallets.

Do all stores accept contactless card payments?

Not yet, but most do. Major retailers, fast food and chain restaurants, public transit, online retailers using mobile wallets, and even vending machines and kiosks with updated terminals will accept contactless cards. You still have the option to swipe or insert your card in a chip reader if needed.

Why did I receive multiple debit cards?

GRB provides a number of accounts with associated debit cards, including Personal, Business and Health Savings Accounts. Some customers may receive reissued cards for multiple accounts simultaneously.

If you have questions, please contact our branch team at 585.663.8930.