Credit Card Security Alerts
Keeping your accounts secure is a top priority. That's why every Virginia Credit Union credit and debit card is automatically enrolled in security alerts. If we notice potentially suspicious activity, we'll contact you by text message first. If we don't hear back, we'll follow up with an email and then a phone call to help ensure we reach you quickly. These alerts provide an added layer of security that helps to protect your accounts from unauthorized activity.
FAQs
What are Credit Card Security Text Alerts used for?
Virginia Credit Union monitors card activity to identify transactions that may be fraudulent. Credit Card Security Text Alerts are one way for us to notify you of any suspicious transactions.
How do the text messages work?
- A text message will be sent to your mobile device when there are any suspicious transactions on your card.
- You can then reply to confirm whether or not you recognize the transactions.
- If you do not recognize the transactions, you will receive a text message asking you to call Fraud Detection at 1-888-918-7313. A block will be placed on the card immediately to protect you from further fraudulent activity. The block will remain in place until we hear from you.
- If you reply that you recognize the transactions, your card will remain available for use.
Do I need to register for security alerts?
No, if you have a VACU credit or debit card, you will automatically be enrolled in security alerts.
How do I unsubscribe from Card Security Text Alerts?
To unsubscribe from Card Security Text Alerts, text STOP to 72488. You will then receive an opt-out confirmation.
Can I receive text message alerts when traveling outside the U.S.?
Yes, to receive Card Security Alerts in a foreign country, you will need the following:
- A U.S. phone number
- A carrier that supports foreign text message delivery
- To be in a country that is part of the Global System for Mobile Communications network
Are Card Security Text Alerts safe and secure?
Yes. Our first priority is to protect your personal information. We will never ask for your account number, personal identification, or other personal information by text. If you ever receive a text message asking for this information, please do not respond.
If you have any concerns regarding the legitimacy of a text received concerning your Virginia Credit Union credit card, please call us at 1-800-285-6609.
What if I receive a “change” confirmation alert when I did not make an update to my account?
If you receive a “change” alert for an update that you did not make to your account, and no one else is authorized to make changes to your account, please contact us at 1-800-285-6609.
Do I need to re-enroll in security alerts if my card is lost or stolen?
No, once your VACU card is replaced, it is automatically enrolled in security alerts.
Are there any fees associated with this service?
Virginia Credit Union does not charge any fees for Credit Card Security Text Alerts, however standard text message and data rates assessed by your mobile carrier may apply. Be sure to check with your mobile carrier to ensure you have text messaging included on your mobile plan.