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UFCU will be closed Mon, Jan 21, 2019 in observance of Martin Luther King, Jr Day. Read more
UFCU provides 100% liability protection on any fraudulent activity so you can enjoy total peace of mind, should the worst happen. But rest assured that we’ll be working hard to make sure it doesn’t. UFCU protects our Members from credit card fraud in the US and Canadai by immediately alerting you when we suspect fraudulent activity. This credit card protection service is automatically available to all business and personal cardholders.
If you have a credit card with UFCU, you are automatically enrolled. Our intention is to deliver fraud alerts directly to you as quickly as possible to identify fraud and stop it before it happens. You could be notified in as few as 30 seconds after a suspicious transaction takes place.
When we identify an opportunity for fraud prevention, we’ll contact you first with a free text messageii (if you have a mobile phone number on record). If we don’t hear back from you via text, we’ll send you an automated voice call asking you to confirm whether the suspicious transaction is valid or unrecognized. If it’s unrecognized, you’ll be transferred to an agent who can help you. If you don’t answer our call, we’ll contact you via email.
To ensure your credit card fraud alerts are sent to you promptly, verify your contact information is up to date. Visit ezcardinfo.com and select Account Services»Contact Information to review and update your settings. Or call the number on the back of your card and ask a representative to update your contact information. If you need help, agents are available 24/7.
For your safety, when we suspect fraudulent activity on an account, the transaction will be declined (although some lower risk transactions might go through) and the majority of accounts will be blocked. Please communicate with us when you receive an alert so you can get back to business as usual. When we notify you, please respond via text, phone, or email and let us know whether the transaction is valid. If it is valid, we will automatically unblock your account. Please keep in mind that it could take 5–10 minutes for a block to be removed in some situations. Once we updated our system, you can attempt the transaction again, usually within 5–10 minutes.
i For Members in Canada, both text and email alerts are available. Voice calls are not available.
ii Members with AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. With other carriers, rates may apply.