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Visa Account Updater (VAU)

Effective in October 2017, Greenwoods State Bank cardholders will be automatically enrolled in the VISA Account Updater (VAU) service. VAU helps facilitate uninterrupted processing of your recurring payments through a secure electronic exchange of account information updates between participating Visa Card issuers, acquirers and merchants.

When new cards are issued due to account information changes such as card expiration, for example; the new account information is sent to VAU for cards scheduled with recurring payments to participating merchants. Participating merchants can send inquiries to VAU about their account-on-file transactions and are provided with updated card information, if available. This helps participating issuers retain cardholders by maintaining continuity of their payment relationships with participating merchants.

Cardholder Benefits

  • Offers a seamless account update process, eliminating the need for direct action on the part of the cardholder when their card is reissued due to normal expiration or lost/stolen card.
  • Facilitates uninterrupted service for participating merchants. Recurring payments are more likely to be successful because updated card information is readily available to participating merchants.
  • Reduces negative experiences caused by declines.


Note: Merchant participation is optional and some merchants may not choose to use this service. Participation in VAU does not relieve you of your obligation to confirm merchants have correct account information on file for you. Neither VISA nor Greenwoods State Bank can guarantee the account updates will be communicated to merchants prior to the next billing date.


Account Opt-Out Procedures

In accordance with VISA rules and regulations, all cardholders of Greenwoods State Bank will automatically be opted into the Account Updater Service from VISA. This service will provide updates to merchants who maintain card-on-file account information to process recurring payments.


For more information go to:


This service is a convenience, provided to you at no cost.  However, you may choose to opt-out of VAU at any time. To opt-out, please complete the form below and mail or deliver to the bank.




I, _________________________________, would like all of my cards to be opted out of the Visa Account Updater Service. Please remove all of my cards from participation in this program


If I decide that I would like to participate in the future, I will contact Greenwoods State Bank in order to register my cards with this service.


Card Numbers:_______________________________          ______________________________



Customer Name: ______________________________



Customer Signature: ___________________________        Date: _______________________