- Debit Card Information: Travel, Fraud Information, & Alerts
Fraud Information & Alerts
Charge Anywhere LLC, 2015
Charge Anywhere is a third party payment processor for various merchants. They have notified us that a data breach in their system has occured. There is a 2 year time window from December 19, 2014 and back. We are working on cards that we believe may be impacted, and investigation is occuring on their end. Again, please monitor your accounts with online access, mobile access, phone access, and paper statements. If you believe you are a victim of fraud notify us immediately so we can help.
On January 2, 2015, Chick-Fil-A announced a potential data breach to a limited number of their stores. For the official press release please click HERE. As usual we monitor our cards and will contact any members that we believe may be affected. Please monitor your accounts with online access, mobile access, phone access, and paper statements.
Home Depot, 2014
On September 2 Home Depot announced that a data breach to their system occured. If you have shopped at a Home Depot from April 2014 thru September 2, 2014 your payment card information may have been compromised. HUCU has received card listings and has reviewed our internal processes to assure that we stay on top of this issue. We are in process of contacting our member who have been impacted. If you are impacted we are ordering new cards with new numbers for you; however, your current card will remain active for a short period of time to allow the new card to reach you (generally 2 weeks). If you are concerned, or believe you may be affected feel free to contact our office to see what options are available to monitor your account or to get a new card. For the statement from Home Depot, please click HERE.
Automated Phone Calls
Several members have stated they have received phone calls from an all 0000 phone number or a Greenwood Area (317) phone number that states a block has been put on your card and to enter your account information. HUCU will NEVER ask you for your card number over the phone, and all of our communication is a live person. You will NEVER receive an automated call from us. If you believe you are at risk or if you entered your account/card information on any types of these phones calls contact us IMMEDIATELY!
Target, Nieman Marcus, and Michael's Fraud, 2013 Holiday Season
During the holiday season (and some beyond that) Target, Nieman Marcus, and Michael's experienced a large data breach/hack that could have compromised over 100 million credit and debit cards of shoppers during that time frame. HUCU has received card listings and continue to as more data becomes available, and continue to contact our members who have been impacted. If you are impacted we are ordering new cards with new numbers for you; however you current card will remain active for a short period of time to allow the new card to reach you (generally 2 weeks). If you are concerned, or believe you may be affected feel free to contact our office to see what options are available to monitor your account or to get a new card.
Important Travel Information
Since June 2013 we have seen high volumes of Fraud on our member Debit and Visa Credit Cards. Additionally, with the recent data breach we are uncertain of long term impact.
** In order to protect our members we have blocked credit transactions that occur outside of the following states:
If you are traveling, live in, or need to make a transaction that will occur outside of these states please contact our office so we can ensure that your card will work and transactions will process. If you use your card at an ATM or as a "debit" outside of the states listed above your card should work properly.
When using your card if the machine reader looks suspiciuos, if you have to swipe your card or enter you pin multiple times, or if someone needs to take your card for long periods of time proceed with caution!
We are asking our members to remember to monitor your account closely online with Perfect Teller and by keeping an up-to-date transaction register. If you believe that you have been a victim of fraud contact us IMMEDIATELY so we can help!
- Courtesy Pay and Overdraft Protection!
OVERDRAFT PROTECTION: Line of Credit
Avoid overdraft fees with the Overdraft Line of Credit Loan.
CLICK HERE for details and how to apply for this!
IMPORTANT OPTION FOR YOUR DEBIT CARD:
Avoid the embarrassment of having a debit card purchase declined!
CLICK HERE now to add overdraft coverage to your ATM/Debit Card.
There is no charge to have the service available. Our standard NSF fee
applies only when the overdraft coverage is used.
Courtesy Pay Information
With our Courtesy Pay Overdraft Program, you choose the coverage that fits your needs.
Our Courtesy Overdraft Program is automatically available to provide overdraft coverage for checks,
automatic bill payments, and other withdrawal transactions. However, without your consent to provide
overdraft coverage for your ATM/Debit card, if you do not have enough money in your account at the
time of your request it will be DECLINED.
Our overdraft program does not guarantee we will cover your overdrafts, but if we do, you will be
charged our standard fee of $30 for each overdraft. As long as you keep your account in good
standing bycontinuing to make consistent deposits, bringing your account to a positive balance every
30 days, remaining current on loans, etc., then we may pay your overdraft item up to $300.
If you want the added protection of overdraft covergae for your ATM withdrawals and everyday debit
card purchases contact us today and consent to the added protection by:
- HUCU Auto Loan Special!
-0.50% off of our already low rates
Finance $7,500 or more new-to-HUCU
Car, Truck, SUV, Motorcycle, Camper, RV, Boat, Tractor, and more!
Approvals are good for 30 days! Thinking about shopping? Get pre-approved before you go!
Click HERE for our loan application to apply today!
Be sure to return your application with proof of income (copy of a paystub, direct deposit, last years tax documents, etc)
Having questions? Click HERE to Contact Us!
APR=Annual Percentage Rate. Subject to Credit Approval and restrictions. Special offer applies to loans with over $7,500 in new money with HUCU. Terms available up to 72 months on select models. Rate determined by model year, valuation from NADA guides, term, and credit score. Offer and rates subject to change without notice. Contact HUCU for details. Offer valid 8/1/2015 - 9/30/2015.
- EMV Chip Cards are Coming!
Debit Card Holders: You will receive a new EMV Chip Debit Card. After testing is complete we are currently anticipating new cards to begin shipping out in the middle of October. Please KEEP this new card. These new cards will replace your current deibt card. We will be switching to a new processor and to 24/7 debit card support on September 23! Our new 24/7 support number will be: 1-855-448-8199.
Credit Card Holders: We are still waiting on exact dates and timing for our current credit card reissue dates. We anticipate cards to slowly reissue in October, finishing up in early 2016.
Once we are EMV ready we will be able to switch our current HUCU Debit Cards and HUCU Credit Cards to EMV Chip Cards.
Watch for information here, in our statements, and in our offices for specific dates, information about new cards, and general updates about EMV chip cards as it becomes available.
What is an EMV Chip Card??
A credit or debit card with a microschip embedded in the card that is encrypted and provides stronger security and protection against fraud. EMV is an acronym for its developers: Europay, MasterCard, and Visa
Why switch to the EMV Chip Card??
HUCU accounts are monitored for fraud 24/7. The chip enhances this process by more securely encrypting data that cannot be known to someone who steals your card or card number. Due to various enhancements, chip card are virtually impossible to be counterfeited as opposed to the current magnetic stripe cards used today.
How do I use my new EMV Chip Card??
Many merchants in the U.S. are still updating their payment terminals to process EMV; however, if a merchant is not EMV chip card ready, your transaction will be processed using the magnetic strip like it is today. if the merchant accepts EMV you will:
1. Insert the Card... Chip First and Face Up
2. Leave the Card in the terminal during the entire transaction
3. Sign the receipt or enter a PIN
4. Remove your card
How does thie affect me??
You will receive a new HUCU Debit Card and a new HUCU Credit Card. Exact card issue dates will be released as information becomes available; however, keep an eye out over the next 6 months for your new card(s).
Have more questions? Contact us today!
- Technical Assistance
Having issues with your account? Here is some information that might help:
** Perfect Teller **
> Error Message "Credit Union Link Not Available": The credit union is not currently available. Technical issues are occurring, and are in process of being resolved soon. Monitor the credit union website for details and information.
> Error Message "Invalid Account or Password, 105": You are entering an invalid account number or password. You are allowed 3 incorrect password attempts before the account is locked out. To reset your password or verify your account number please contact us.
> Error Message "Status Code 112": Your account is locked out of home banking access. This is typically from invalid password attempts. Contact us to have your account unlocked or password reset
> PIN required at each login: Enabling your cookies should resolve this issue. Also, if you do not login from a static IP the system could recognize your login as unique each time.
** Sybil **
> Constant Ringing: Sybil is disconnected or has been rebooted. Please notify the credit union so we can ensure she is functioning properly.
> Unable to access your account: This can be caused from account number or password input errors. Contact the credit union so we may verify your information or reset your password.
** Debit Card **
> Our cards are monitored 24/7 for fraud activity. If a transaction is deemed as unusual you will get called from our fraud department. They will verify transactions. They will NEVER ask you to tell them your card number.
>If you are having issues with your card being "swiped" correctly when making a transaction your card may need to be replaced. If you believe you are having issues and need a replacement contact us and we can take care of you.
> Daily transaction thresholds are in place for security purposes. If you believe you are going to make a large purchase please notify the credit union so we can ensure you have no difficulties.
> Due to fraud, transactions that originate outside of the state of Indiana (or those that immediately touch Indiana) may be blocked. We can authorize these transactions, so please let us know if you are traveling or having issues using your card.
> When there are technical issues at our main office there are smaller thresholds for cash withdrawals ($50) and transactions ($200). Additionally, when you attempt to verify your balance at an ATM machine the balance will reflect as $0 since the card cannot correctly communicate with the credit union at the time.
** Service Center Access **
> When you perform a service center or shared branch transaction please be sure you tell them you are with Hoosier United Credit Union. You will also need your correct account number. You will not provide your account number with the additional "check digit".
> If a service center cannot access your account there can be several things going on. First, make sure they have the correct credit union and your correct account/member number. If they still have issues they could be experiencing technical issues or the credit union may be experiencing technical issues. One good way to verify this is to login to your account online. If you can login online then there is something happening at that shared branch that is hopefully temporary. If you experience persistent issues attempting to access your account please notify us immediately.
Hoosier United Credit Union strives to help our members. If you believe you are experiencing problems please notify us so we can work to get things corrected. Thank you for being our member!