Credit Fraud/Theft Protection2018-05-29T13:08:07+00:00

CREDIT FRAUD/THEFT PROTECTION

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FRAUD & THEFT PROTECTION FEATURES

EMV CHIP CARDS

Enhanced Security:
We have completely converted to the new EMV Chip technology for all of our Visa credit and debit cards.

The EMV (which stands for Europay, Mastercard and Visa) cards have a computer chip that will provide a unique transaction code for each transaction, making the cloning of cards useless by criminals stealing the card holders information.

If our members have the option to use the new chip card readers at the point of sale please make sure you are doing that. If the merchant does not have a chip card processing machine and there is fraud on your card the merchant is responsible for any fraud amount, instead of your Credit Union. This should greatly reduce the possibility of fraud on the card holder’s account and save our Credit Union from fraud over time.

More Information:
For more information about EMV cards in general, please visit the CreditCards.com web site.

PINs

We also provide the ability to use a PIN with both credit and debit cards. Personal Information Numbers (PIN) are provided in case the member wishes to receive a cash advance using their debit or credit card at an ATM machine.

In addition to taking cash from an ATM, eventually, PIN’s for credit cards may be used to enhance purchase security (Chip and PIN purchase transactions are currently in use in Europe to provide two levels of security. This may be coming to the US soon), so please keep your credit card PIN in a safe place for future reference.

CHANGING YOUR PIN NUMBER

Personal Information numbers (PIN’s) can be added or changed for Visa Debit or Credit Cards that you have on file with us.

To change your PIN just dial 877-PHON-PIN OR 877-746-6746 and follow the directions.  You will receive confirmation from us within 2 business days that your new PIN has been accepted.

CREDIT/DEBIT CARD CONTROL

Control your credit and debit cards using our Mobile App

Temporarily Disable Your Card:

  • If you will not be using it for a period of time.
  • If you’re not sure where it is, it may be misplaced.
  • When You are ready, use the App to enable it
  • If Your Card Is Lost or Stolen Use the Mobile APP To Report:
  • Lost: Reports your card lost and blocks the card immediately.
  • Stolen: Reports your card stolen and blocks the card immediately.

E-ALERTS

E-Alerts are a good way to keep track of credit or debit card transactions that are above a dollar amount the card holder establishes. An E-ALERT informs the member of an action that has occurred on one of their accounts, (Savings, Checking or Visa). E-ALERTS are sent to the member by email or text.

VISA FRAUD ALERTS

Improved Fraud Protection

For members that use our Debit and Credit Cards we have established a notification service from our TTTFCU FRAUD CENTER to alert members 24/7 if there is potential fraud on a credit or debit card transaction. Our processor’s complex software monitors purchasing patterns of our members to alert you if there is a purchase that it considers risky or may be fraud.

Immediate Notification

When you get an alert via text or email, you will be asked to respond YES or NO to the text ASAP; regarding whether you made the purchase.

To be sure that we are sending messages to the correct place, please be sure to check that we have your correct email and cellphone number on file and make any corrections or modifications as soon as possible.

Improved Fraud Protection

For members that use our Debit and Credit Cards we have established a new notification service from our TTTFCU FRAUD CENTER to alert members 24/7 if there is potential fraud on a credit or debit card transaction. Our processor’s complex software monitors purchasing patterns of our members to alert you if there is a purchase that it considers risky or may be fraud.

Immediate Notification

When you get an alert via text or email, you will be asked to respond YES or NO to the text ASAP; regarding whether you made the purchase. If you do not respond, your card may be blocked unnecessarily, so please answer these text messages immediately when you receive them.

To be sure that we are sending messages to the correct place, please be sure to check that we have your correct email and cellphone number on file and make any corrections or modifications as soon as possible.

If you have any questions please give us a call 203.227.8511 or email us at info@tritownteachers.org

Samples of the message formats are provided below for your information.

VIEW SAMPLE TEXT ALERT
VIEW SAMPLE EMAIL ALERT

VISA TRAVEL NOTIFICATIONS

If you are will be traveling, be sure to notify us if you are using our Visa Credit or Debit Cards.

It is possible that your cards will be blocked if our processor sees unusual activity, with no travel notification!

Please call us with the dates you will be traveling and the countries (international) or U.S. cities where you will be.

You may also receive a text or email message asking about a particular purchase. Please respond to this message as soon as possible.

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