Consumer Protection: Fraud & Disputes

The following are common questions from our members and the answers that normally fulfill the associated need. If you have additional questions, please feel free to contact us directly via phone at 206-628-4010, toll free at 888-628-4010 or via secured message within your digital banking account.

Your credit union remains vigilant in our fight against identity theft, and we've added another layer of security for your protection.

If our fraud monitoring center detects an unusual pattern of use for either your credit union ATM card or Visa debit card, you'll receive an automated call to verify the authenticity of the transaction. When you pick up the phone, you'll hear a greeting, be given options to confirm your identity, and be asked to verify the transaction. If you believe there has been fraudulent activity on your card, you'll be connected to an operator who will assist you.

The fraud monitoring center runs around the clock, seven days a week, to ensure that fraud occurring in other countries or time zones is caught immediately. However, warranted calls will only occur between the hours of 7:00 a.m. and 9:00 p.m. in the time zone of your statement address.

These new automated calls are similar to the operator-assisted protection we provide for our Visa credit cards.

If you discover suspicious or fraudulent charges on your account, please contact us immediately at 1-888-628-4010.

If the unauthorized transaction was performed with your Debit or ATM Card, please complete the Affidavit for Unauthorized Use of a Visa Debit or ATM Card form and provide it to the credit union. We will quickly reimburse you for any fraudulent activity on your account.
In accordance with the account agreement, any unauthorized activity must be reported to the credit union within 60 days of the date of the statement on which the fraudulent charge appears.

If you discover suspicious or fraudulent charges on your Visa Credit Card account, please call 1-866-820-4927 immediately to report the activity.

Our credit card processor, PSCU, will guide you through the dispute process and will work quickly to reimburse your account for any fraudulent charges that occurred.

In accordance with the account agreement, any unauthorized activity must be reported within 60 days of the date of the statement on which the fraudulent charge appears.

If you discover suspicious or fraudulent charges on your account, please contact us immediately at 1-888-628-4010.

If the unauthorized transaction was an electronic or ACH withdrawal, please complete the Written Statement of Unauthorized ACH Debit form and provide it to the credit union. We will quickly reimburse you for any fraudulent activity on your account.

In accordance with the account agreement, any unauthorized activity must be reported to the credit union within 60 days of the date of the statement on which the fraudulent charge appears.

There are a number of reasons you may need to dispute a debit card transaction that you previously authorized. For example: if a merchant overcharged you, you continue to get billed for a service you cancelled, or you didn't receive a shipment you paid for, you have the right to dispute those transactions.

In all cases, Visa requires that you first attempt to resolve the matter directly with the merchant. If your efforts are unsuccessful, we'll do our best to help obtain a refund for the disputed transaction.

Please complete the Visa Debit Cardholder Dispute form and provided it to the credit union to begin the dispute process.

There are a number of reasons you may need to dispute a credit card transaction that you previously authorized. For example: if a merchant overcharged you, you continue to get billed for a service you cancelled, or you didn't receive a shipment you paid for, you have the right to dispute those transactions.

In all cases, Visa requires that you first attempt to resolve the matter directly with the merchant. If your efforts are unsuccessful, we'll do our best to help obtain a refund for the disputed transaction.

Please call Cardholder Services at 1-800-654-7728 to begin the dispute process.

If you discover a suspicious or fraudulent check withdrawal on your account, please contact us immediately at 1-888-628-4010.
In order to dispute the unauthorized check withdrawal, please complete the Affidavit of Forgery or Fraudulent Use of Checks form and provide it to the credit union. We will quickly reimburse you for any fraudulent activity on your account.
In accordance with the account agreement, any unauthorized activity must be reported to the credit union within 60 days of the date of the statement on which the fraudulent charge appears.