The Bank Identification Number (BIN) 499164 is issued by ORNL FEDERAL CREDIT UNION in UNITED STATES. This is a VISA CREDIT card with BUSINESS level.
BIN (Bank Identification Number), also known as IIN (Issuer Identification Number), refers to the first 6 digits of a payment card number. These digits identify the card-issuing institution, card type, and other attributes used for routing and fraud prevention.
By looking up BIN 499164, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (CREDIT), the card level (BUSINESS), the issuing bank (ORNL FEDERAL CREDIT UNION), and the country of issuance (UNITED STATES). This information is useful for payment processors, merchants, and fraud prevention systems.