Credit Card Conversion

The credit card issuer of your account has been changed to Elan Financial Services®. 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 fee.

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: Check your statements, pay your bill, get account alerts, set up auto pay, add authorized users, and more 24 hours a day. Business accounts also have access to reporting tools to help monitor and analyze spending.

Mobile App: You can access and manage your personal or business credit card account right int he palm of your hand.

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 purchases. 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. Your new card will be mailed by 7/3/26. You can activate your new credit card online at myaccountaccess.com/activate or call 1-800-553-7650.

Business Card Accounts: Business cards do not require activation. Begin using it right away. Your new card will be mailed by 7/3/26.

Consumer Card Accounts: As soon as you receive your new one, that will be mailed by 7/3/26. Remember to destroy your old card.

Business Card Accounts: As soon as you receive your new one, that will be mailed by 7/3/26. Remember to destroy your old card.

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 24/7 at the number on the back of your new card 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 at the number listed on the back of your new 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 new Business Card.

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

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

If you have not received your new card, please contact Cardmember Service, 24/7, at 1-800-558-3424 (for consumer) or 1-800-552-8855 (for business) to request a replacement card. 

NOTE: These numbers are the general servicing numbers; please check the back of your card for your servicing number. Expected mail time for replacement cards can be 7-10 business days from mail by date.

Your current card will no longer work as of 7/17/26, regardless of the expiration date shown on the card.

All balances will transfer automatically to your new credit card account. All Introductory and Promotional offers will be honored for the duration of the offer. For consumer accounts, any existing balance will remain at their current APR.

No, Elan does not offer a credit card insurance program. However, cardmembers are encouraged to explore the benefits that Visa offers.

Yes, you will have a new credit card number.

Consumer Card Accounts: All cardholders on consumer accounts will be issued the same card number.

Business Card Accounts: All cardholders on business accounts will have their own unique card number.

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

The transaction may be applied on the new account. Please update your account number anywhere it is stored, as soon as possible, to avoid service interruption.

No, this service cannot automatically be converted to your new American Bank & Trust 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 American Bank & Trust, to avoid any potential late charges. You will be receiving Auto Pay enrollment information soon. The form included can be mailed in with your payment, or you can send it to the following address:

You may pay your monthly bill by:

• AutoPay
• Pay Online
• Pay by Phone
• Pay by Mail
• Make your payment at your American Bank & Trust branch

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

Please mail your payments to the following address:

The payment will be applied to your new account number.

Please mail your overnight payments to the following address:

Yes, you can continue to make branch payments.

Yes, you can make payments and manage your account at www.myaccountaccess.com. 

No, your new card has no annual fee.

Please refer to the change in terms notification letter dated 4/10/26 that was recently sent to you. If you need this letter reprinted, see How do I obtain a copy of the Change-in-Terms letter?

Once you receive your new credit card in July, you may contact Cardmember Service directly by phone. The representative will discuss the specific criteria associated with a product change and may review other available offers.

We are more than happy to submit a request on your behalf. Once the reprint request is processed, it will be mailed to the address on file.

Elan's Privacy Pledge describes how they collect, protect, and use confidential financial and other information about your and the circumstances in which they might share information about you with members of their corporate family and with unaffiliated third parties.

If you choose not to accept your new terms and wish to close your current account, please notify Elan by 7/16/26. You may notify Elan by contacting the 24-hour Cardmember Service Department at 1-800-242-4271 (for consumer) and 1-800-249-0646 (for business), or in writing at the following address:

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

NOTE: Even if you have notified Elan that you wish to close your account, the account may continue to receive automatic recurring charges that were previously set up to happen until you cancel.

For more details about the new terms of your account, your responsibilities using your account, and Elan's responsibilities and obligations, please be sure to review your Cardmember Agreement as soon as you receive it. Cardmember Agreements will be mailed by 6/29/26.

The opt-out period ends 7/16/26. Please notify Elan regarding the decision to opt out as soon as possible. Opting Out will close your account.

This is the balance from your previous account.

As of 7/17/26.

Once you receive your new credit card you may contact Cardmember Service directly, by phone, to request copies of previous statements.

Yes, you can place a temporary hold and manage your account at www.myaccountaccess.com or you can call Cardmember Service 24/7 at the number on the back of your new card.

Yes

Consumer Card Accounts: Yes, you will automatically be enrolled in a new Select Rewards program, with great benefits!

Business Card Accounts: 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 7/16/26.

Your previous rewards point balance will appear on your new credit card account, and you will continue earning credit card rewards points.

In July you will be able to redeem your credit card reward points. You can call the Rewards Center at 1-888-229-8864 or visit the Online Account Access portal at www.myaccountaccess.com.

No, the liability structure of your new business card account will remain the same. However, in cases of a program where the current structure supports a Company only liability with a revolving minimum due, a mailing will be issued to select new product/liability terms with Elan.

Yes, as part of the conversion, this feature will automatically continue.

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 AO 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.