UFCU and VISA^® Zero Liability Policy

UFCU and VISA Zero Liability Policy

Use your Visa card to make purchases anywhere and you’re protected from unauthorized use of your card or account information. With the UFCU and Visa Zero Liability Policy¹, your liability for unauthorized transactions² is $0 — you pay nothing.

The UFCU and Visa Zero Liability Policy requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit transaction within five business days of notification. The UFCU and Visa Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.

If you experience unauthorized transactions, notify your financial institution immediately. Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing and history.

The transaction-at-issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations, and other details, please consult your issuer.

For more information visit: Visa Traditional Card Benefits.

1 Visa Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and account credentials, whether the card is used physically or stored in a digital wallet. Promptly notify your issuing financial institution of any unauthorized use. Contact your issuer for more details.

2 Financial institutions may exclude from the Visa Zero Liability Policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner.