FakecreditcardAbout BIN 409686
In our BIN data, 409686 is a Visa Traditional credit card range that belongs to Atlantic Regional Federal Credit Union, registered in the United States. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Traditional marks an entry-level consumer product.
Atlantic Regional Federal Credit Union has fewer than ten BINs in our data, so it has no bank page; 2 BINs starting with 409 belong to it.
Across the United States, the dataset counts 156,869 BINs; among the 73,133 that name an issuer, the main networks are Visa (50%), Mastercard (22%), Discover (17%), and 46% are debit. See the United States BIN list or the United States card generator.
Visa number format for BIN 409686
| Starts with | 409686 (the BIN). First digit 4: banking and financial |
|---|---|
| Length | 16 digits (13 and 19 also allowed) |
| Security code | 3-digit CVV2 on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 4096 8636 2676 5315 |
When you test with this BIN, check that your form shows the Visa logo, groups the 16 digits correctly and rejects numbers whose check digit is wrong. The generator creates as many numbers with this BIN as you need, with expiry dates and CVVs, as CSV, JSON or XML.
Nearby BINs
BINs just below and above 409686. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Atlantic Regional Federal Credit Union
Frequently asked questions
Which bank issued BIN 409686?
BIN 409686 is registered to Atlantic Regional Federal Credit Union in the United States. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 409686 a debit or a credit card BIN?
It is recorded as credit, product level Traditional. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
How many digits does a card with BIN 409686 have?
Visa card numbers have 16 digits (13 and 19 also allowed), and the security code is a 3-digit CVV2 on the back. The first six digits are the BIN, the last digit is the Luhn check digit, and the digits in between identify the account.
Can I generate test card numbers with BIN 409686?
Yes. Open the generator with this BIN to create Luhn-valid numbers with expiry dates and CVVs for testing forms, validation and BIN-based rules. They are test data: not issued by Atlantic Regional Federal Credit Union, linked to no account and declined by real payment systems.
Does a BIN tell me whether a card is valid?
No. A BIN describes a range of card numbers — network, issuer, country and product — not a particular card. Whether a card exists or can be charged is known only to the issuing bank. To check the format of a full number (length and check digit), use the card validator.
A BIN identifies the card network and the issuing institution only. It reveals nothing about an individual card, cardholder or account, and it cannot show whether a card exists or can be charged. Test numbers generated from a BIN are for development and QA only and are declined by every real payment system.
BIN checker · BIN list by country · BIN generator · Free BIN API
BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.