FakecreditcardAbout BIN 551639
In our BIN data, 551639 is a Mastercard Enhanced debit card range that belongs to Achieva Credit Union, registered in the United States. Debit cards draw money directly from the cardholder's bank account, so checkouts and gateways often treat them differently from credit cards (fees, holds, recurring billing).
With 22 BINs, Achieva Credit Union ranks 255th among the 775 banks we list for the United States. The Achieva Credit Union BIN list shows all of them with network, type and level.
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.
Mastercard number format for BIN 551639
| Starts with | 551639 (the BIN). First digit 5: banking and financial |
|---|---|
| Length | 16 digits |
| Security code | 3-digit CVC2 on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 5516 3969 7543 1105 |
When you test with this BIN, check that your form shows the Mastercard 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 551639. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Achieva Credit Union
All 22 BINs of Achieva Credit Union →
Frequently asked questions
Which bank issued BIN 551639?
BIN 551639 is registered to Achieva Credit Union in the United States. The dataset lists the website www.achievacu.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 551639 a debit or a credit card BIN?
It is recorded as debit, product level Enhanced. Debit cards draw money directly from the cardholder's bank account, so checkouts and gateways often treat them differently from credit cards (fees, holds, recurring billing).
How many digits does a card with BIN 551639 have?
Mastercard card numbers have 16 digits, and the security code is a 3-digit CVC2 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 551639?
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 Achieva 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.