Credit Card Fraud Protection

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 Canada1 by immediately alerting you when we suspect fraudulent activity. This credit card protection service is automatically available to all business and personal cardholders.

How It Works

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 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.

  1. Voice call — You’ll receive voice call alerts between 8 AM and 8 PM in your time zone. You’ll be prompted to answer questions during the call to confirm the transaction or transferred to an agent if the transaction was not recognized.
  2. Email — You’ll receive interactive email alerts any time of day, 24/7. Note that UFCU is unable to send text or phone calls internationally. Please make sure your email address is current, especially when traveling abroad.

To ensure your credit card fraud alerts are sent to you promptly, verify your contact information is up to date. Log in to Online Banking, and select Settings » Change Contact Info. You can also call us and ask a representative to update your contact information.

What to Do When You Receive an Alert

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 contact us by 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 in some situations, it could take 5–10 minutes for a block to be removed. Once we have updated our system, you can attempt the transaction again, usually within 5–10 minutes.

1 For Members in Canada, both text and email alerts are available. Voice calls are not available.