BIN 423560 — Lookup & Card Details

BIN 423560 is issued by Alpena Alcona Area Credit Union, from United States of America (the), on the Visa network, as a credit card.

A Bank Identification Number (BIN, or Issuer Identification Number / IIN) is the first 6 to 8 digits of any payment card. It tells the payment network which institution issued the card, what kind of card it is, and where it was issued. For BIN 423560, that institution is Alpena Alcona Area Credit Union in United States of America (the). The card runs on the Visa network. Transactions settle in USD.

Visa is the world's largest card network, with cards beginning with the digit 4 and accepted in virtually every country.

In practice this prefix is what a checkout sees first — risk engines score it, gateways route on it, and merchants use it to decide whether to accept the card class at all. BIN 423560 is institutional data under the ISO/IEC 7812 standard — looking it up reveals the issuing program, nothing about any cardholder.