Fraud Protection

Protecting your debit card from fraud

Use your PIN

This is your first line of defense. While anyone can attempt to forge your signature, no one should know your PIN! By using your PIN for transactions, you let us know that it really is “you” using your card. If you can’t remember your PIN or think it may have been compromised, give us a call.

CardValet

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. Learn more about CardValet.

Verified by Visa
Create a Password to Protect You When Buying Online

Verified by Visa protects your existing Visa debit or credit 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 before you shop

You may activate your Verified by Visa protection by entering your card number over Visa’s secure server. You’ll verify your identity, create your Verified by Visa password and you’re done!

Activate Now

Or 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.

Real Time Account Monitoring

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. To help avoid transaction denials, see these reminders for traveling members.

Report a Lost/Stolen Debit or ATM Card

You are not responsible for fraudulent use of your debit or ATM card but you MUST report it lost or stolen as soon as you are aware of the compromise. Someone will assist you 24 hours a day/7 days a week at 800/472-3272.