Frequently Asked Questions
What is an IIN?
An IIN is an Issuer Identification Number, sometimes known as ISO or ATM BIN number. This is a 8-digit number that uniquely identifies transactions for a credit union’s ATM card program.
CUNA Strategic Services (CSS) doesn't process my ATM cards. Why did they issue my IIN?
Card processors are not allowed to issue IINs. At the request of credit unions, CSS became an authorized block holder and began issuing these numbers in the early 1980s. CSS is not the only authorized block holder, so it is possible that your credit union may have other IINs not issued by CSS. For example, Visa or MasterCard may have issued an IIN for your debit card program.
How much is the annual maintenance fee?
The 2019 annual maintenance fee is $75 for each IIN issued by CSS that is still being actively used by your credit union for its ATM card program. This fee helps cover the cost for maintaining a database relative to the assignment of each IIN to credit unions since the early 1980s. We ensure that each IIN is unique to each credit union and we are required to notify the registration authority on a monthly basis of each IIN assigned, in addition to any deletions and/or changes such as mergers and name changes.
Didn't I pay this fee already in 2019?
We send the invoice during the second quarter of the billing year. IINs relinquished during 2019 do not incur an annual maintenance fee. This is the first invoice for the 2019 maintenance fee, so you may have paid the 2018 fee in 2019.
How do I pay the bill?
Check, debit or credit are acceptable payment methods. Please send the invoice along with a check payable to Credit Union National Association, Inc. and mail it to:
Credit Union National Association, Inc.
P.O. Box 78546
Milwaukee, WI 53278-0546
You may contact Member Experience at 800-356-9655, ext. 4157 to pay via debit or credit card or for general assistance.
What happens if I don't pay the fee?
Your credit union's IIN will be listed as inactive and be eligible for use by another credit union.
What if I have an IIN that is no longer being used by our credit union?
If an IIN is inactive due to a merger or other reasons, you must relinquish the number by faxing the invoice and a letter (on credit union letterhead) with the following information:
Ms. Gay Griffin
American Bankers Association
1120 Connecticut Avenue, NW
Washington, DC 20036
We will send you a corrected invoice if there are any remaining active numbers. Once a relinquish letter for an IIN is received, future invoices will be adjusted to remove the annual fee for the relinquished IIN and the registrar will be notified that the number is available for use by another credit union.
Contact CUNA Member Experience:
Phone: 800-356-9655, ext. 4157