Debit & Credit Card Safety

Contactless Visa Card

Protected by a one-time use code that changes each time you use it at a chip-enabled terminal.

Credit Card Alerts

Choose to receive text or email alerts that let you know when specific transaction types occur (gas stations, online, international, etc.), as well as alerts to let you know when a payment is due, you’re approaching your credit limit or over your limit, and when your contact information has changed.

TO SET UP CREDIT CARD ALERTS:

1. Log in to digital banking or via the mobile app.
2. Select your credit card account
3. Click on the Manage Credit Cards link from the options menu and choose Member Alerts from the Communication menu item.

TO SET UP DEBIT CARD ALERTS:

1. Log in to digital banking or via the mobile app.
2. Select your checking account
3. Click Alert preferences and choose Add Alerts to start setting up alerts.

¹The $0 Liability Guarantee covers fraudulent charges made by others using your account. To be covered, don't share personal or account information with anyone and report suspicious activity to Truity Credit Union immediately.

Fraud Protection

Fraud protection on debit and credit cards. If your card is lost or stolen, you’re protected against unauthorized use. Visa’s Zero Liability Policy.¹

Fraud Monitoring

Reviews how and where your card is being used and is designed to help block potential fraud if abnormal patterns are detected.

¹The $0 Liability Guarantee covers fraudulent charges made by others using your account. To be covered, don't share personal or account information with anyone and report suspicious activity to Truity Credit Union immediately.

There are several steps you can take to prevent fraud. Follow these tips to minimize your risk:

Report Lost or Stolen Cards

Please report lost or stolen cards immediately.

Keep Contact Information Up-to-Date

Verify and update your contact information with Truity, especially your mobile number, so you can be contacted immediately if fraud happens.

Add Alerts to Your Account

Keep track of what’s going in and out of your account by setting up credit card alerts and alerts in Digital Banking.

TO SET UP CREDIT CARD ALERTS:

1. Log in to digital banking or via the mobile app.
2. Select your credit card account
3. Click on the Manage Credit Cards link from the options menu and choose Member Alerts from the Communication menu item.

Create a Private Code Word for Your Account

You can add a private code word that only you know to your account by visiting a Truity branch or calling 800.897.6991. When conducting business by phone or in a branch, your private code word ensures we're doing business with you and only you.

Check Your Transactions

Be sure you receive your card and receipt after completing each transaction and always check the total dollar amount on the transaction receipt before signing. Review your account transactions frequently; at minimum, monthly.

Keep Safe Online

Be careful when using public computers or Wi-Fi. Check for a padlock symbol and "https" in your browser's address bar when submitting payment and other personal details, as these denote a secure site. Don’t allow your browser to “Save Your Password” while shopping online or accessing your account online.

Protect Personal Information

Shred or destroy credit card receipts, bank statements, tax returns and other identifying documents before discarding them. Don't give your credit card number over the phone unless you initiate the call and know the firm is reputable. Don’t write PINs on cards or store PINs, passwords or checks in obvious or logical places.

International Travel Alert

Protect yourself before going abroad. Let us know the location and dates of your travel so we can optimize your account for travel. Call 1.800.897.6991 or send a secure message through digital banking.

Smishing

Smishing uses text messages to lure members in. Usually, the text will contain a URL or phone number. The phone number will most likely have an automated voice response system. They may ask you to confirm your account number or password.

Smishers may use the first few digits of your debit or credit card as bait, since credit and debit cards all follow the same standard method for card numbers. Their text message might include a link to a bogus credit union website that looks and acts like your real credit union’s website. Or, it might prompt you to download a fake credit union app or call a number to clear up a supposed issue with your account. Once spammers capture your personal information, they can sell it on the black market or use it to commit fraud.

Do not respond to smishing messages. If you think you've received a fraudulent text from Truity, please take a screenshot of the message and send it to ReportScams@TruityCU.org.

Vishing

Criminals also use verbal calls to solicit your personal information. Vishing relies on “social engineering” techniques to trick you into providing information that others can use to access and use your important accounts. People can also use this information to pretend to be you and open new lines of credit.

To avoid being fooled by a vishing attempt:

• If you receive an email or phone call asking you to call and you suspect it might be a fraudulent request, look up the organization’s customer service number and call that number rather than the number provided in the solicitation email or phone call.
• Forward the fraudulent email to the member service or security email address of the organization, to validate the email legitimacy.