Download Adobe® Acrobat Reader to view PDFs.

Visa Credit Cards

Everyday low rates. No gimmicks. No tricks.

Report a Visa Credit Card Lost or Stolen

You are not responsible for fraudulent use of your Visa credit card but you MUST report it lost or stolen as soon as you are aware of the compromise. Visa Customer Service is available assist you 24 hours a day/7 days a week at (800)237-6211.

SecurLOCK Equip

The power to protect your card is in your hands. Turn your cards off and on. Control where your cards can be used. Receive instant alerts about card activity.

Download on the App Store Get it on Google play

Verified by Visa

Verified by Visa protects your existing Visa credit or debit card with a password you create, giving you reassurance that only you can use your Visa card online. Simply activate your card and create your personal password. You’ll get the added confidence that your Visa card is safe when you shop at participating online stores.

Once your card is activated, your card number will be recognized whenever you purchase at participating online stores. You’ll enter your password in the Verified by Visa window, your identity will be verified, and the transaction will be completed. In stores that are not yet participating in Verified by Visa, your Visa card will continue to work as usual

Activate during shopping.

Activating your card during shopping is quick and easy. During checkout at participating online stores you may encounter a message offering the opportunity to activate Verified by Visa for your Visa card.

If you choose to activate during shopping, you’ll provide information to your Visa card issuer to confirm your identity and then create your password. On future purchases at participating online stores your Verified by Visa password will be required during checkout, ensuring your added safety.

Our enhanced security protects your account by reviewing activity during the approval process. We may attempt to contact you if a transaction falls outside of your normal spending pattern. In some instances, you may be declined at the merchant if activity is considered suspicious.

If you will be traveling, let us know the dates and area of travel. Give us a call at (434) 528-9016 or (800) 335-0069 during regular business hours and we’ll make a note on your account. This information helps to avoid transaction denials.

1. Provide the beginning and ending date of travel.
We can add work and personal travel dates to each of the debit and credit cards on your account. Adding travel dates will help verify that a transaction outside your home state, or outside your normal spending patterns, is legitimate. Even so, denials are still possible.

2. Update your phone numbers.
We need current phone numbers on your account so our fraud department can contact you to verify transactions, if necessary. Let us know if your cell phone is best number to reach you after hours and on weekends so we can list that as your primary contact.

3. Tell us each country you will visit.
If you will be traveling out of the country, we need to know each country you will visit – not the continent or cities. (Include countries that you may visit for airport layovers.)

4. Use your PIN whenever possible.
To make denials less frequent, use your PIN number when possible. Using your PIN helps verify that you are making your transactions.

ApplePay logo     SamsungPay logo