What You Need to Know About a Card Compromise.

Recently, data breaches from retailers’ unsecure payment processing networks have been on the rise. Your credit or debit card number is stolen in the breach and, in some cases, PIN, leaving you vulnerable to fraud. Fraud includes purchases and/or withdrawals from your credit or debit account.

Click the links below to learn about recent breaches.
Chipotle
Kmart
 

Tips to reduce and mitigate fraud


What to do if it happens to you.
If you learn that your debit card information has been compromised, contact the Credit Union immediately to limit the damage the thief can do, and limit your financial responsibility for the fraud. Make contact immediately by phone, and follow up with a detailed letter stating the full name of the Credit Union employee you spoke with, details of the fraudulent transactions, and any ideas you have about how your account may have been compromised. Ask the Credit Union to waive any NSF fees that may be incurred because of the fraud, and to restore the fraudulently withdrawn funds to your account.

If any fraudulent activity has occurred on your account, you are protected by Visa’s $0 Liability Policy upon notifying us of the fraud.
Contact us at 916-569-5400 or 800-962-0990.

Sign up for Visa® Alerts.
Through Visa, you can set real-time email or text message alerts for your credit or debit card. The message you receive will contain the amount, time and date of the transaction and merchant information.

Available alerts include:
·         Dollar amount threshold for purchases
·         Card-not-present transactions, such as purchases made online or by telephone
·         Cash withdrawals from an ATM machine
·         Gasoline transactions
·         International purchases

Set up Visa alerts.

Sign up for online and mobile banking.
You can check your account transactions in real time when you’re enrolled in online and mobile banking. If you haven’t signed up yet, you can register your account from your computer or mobile device with your account number. You will choose a username and password, along with some security questions.



Stay informed.
Open all mail from the Credit Union right away. Check our Security page on schools.org for fraud tips. Watch or read your local and national news.