Credit & Debit Card Fraud
Credit & Debit Card Fraud
We monitor your account for fraudulent activity and stay on top of the latest fraud trends to protect you. Learn what you can do to help protect yourself from card fraud and what to do if you are ever a victim.
Click here for information about the Chili’s Data Breach from May 18, 2018.
HOW TO PROTECT YOURSELF
- Do not give out card numbers over the phone or internet unless you initiated the transaction. Even then, be cautious of the websites you are using.
- If you are unsure, you can purchase a Visa Gift Card to use for online purchases. If that number is compromised, you can only lose the money you put on the card; they won’t be able to get your account information.
- Never give your PIN to anyone to use. If you feel that it’s been compromised, you can change it at any time.
- Never disclose credit card, bank or personal information to someone you do not know or are unsure of.
- When swiping your card, especially at an outdoor machine, check for skimming devices.
- Watch for transactions that are not yours and report any problems right away. This is where Online Banking and the Mobile App can come in handy!
- You can even set up “Alerts” in your Online Banking to text or email you anytime your card is used.
HOW WE PROTECT YOU
24/7 Fraud Monitoring: Your account is monitored around the clock for suspicious activity. When we believe that a transaction may be fraudulent, your card is immediately blocked and you are contacted. While this can be frustrating on the occasion that the transaction was truly yours, the majority of the time it does work to prevent true fraud. And that’s extremely beneficial to both you and the credit union. This is the primary reason that we ask you to complete a Visa Travel Notice to let us know that you’ll be using your card out of the area so that we don’t block it.
Remember, Great Basin FCU will never email or call you to verify personal information such as your social security number, credit/debit card number, birth dates, mother’s maiden name, etc. Our Visa third party processor may call to verify activity on your card number. However, they will only ask for you and if the transaction is yours; they will not ask you for the card number or any other personal information.
Chip Technology: Great Basin offers Visa Chip Technology. Chip cards and terminals work together to protect in-store payments. A unique one-time code is needed for the transaction to be approved – a feature that is virtually impossible to replicate in a counterfeit card. To learn more, visit our Visa page.
What if fraud happens to you?
- Report it immediately if you see a fraudulent transaction or your card is lost or stolen.
- You can block your card from within your Online Banking in the settings area OR
- You can block you card by calling:
- Visa Credit Lost or Stolen Hotline from within U.S.: (800) 545-4228
- Visa Credit Lost or Stolen Hotline from outside U.S.: (410) 581-9994
- Contact us to get a new card. We can print one in the branch while you wait, or we can have one mailed to you. (Once your card has been blocked, it cannot be unblocked.)
- Contact us to dispute any transactions.
- Legitimate disputes include unauthorized or fraudulent transactions. We are unable to dispute items that you do not wish to pay due to contractual disputes, such as monthly gym membership payments or final payments to cable companies. Depending on the type of transaction and the amount of the dispute, we may required receipt copies and/or a police report.