9 Credit Card Security Tips for Our Members

Check out these simple tips for keeping your Elevations Visa® credit card and other credit cards safe. These are easy steps you can take to protect your financial information.

1. Go paperless

Paperless statements can help with security because you do not have to worry about mail with your personal information getting lost or falling into the wrong hands.

2. Create strong passwords

Make sure to use strong passwords for your account, and do not use the same password for your banking accounts as you do for other websites, especially those that house your credit card information for online purchases. You can also take advantage of multifactor authentication when it is available.

Select PIN numbers that are not easy to guess and that are not personal identifiers like the last 4 digits of your social security number or date of birth.

3. Keep your information current

Ensure that your information is up to date with your financial institution and notify them of any changes, like moving to a new address or getting a new phone number. This will ensure your financial institution can contact you about any unusual transactions. You can verify your Elevations account information here.   

4. Shop securely online

Shop only with merchants you trust and recognize. A common scam is a website that appears like popular retailer but is a fake. Check the website URL—sites with “https” in their address and a lock icon to the left of the URL are secured. Additionally, if your browser offers to store your credit card number, consider turning off the autofill function as this could leave you vulnerable for fraud. Avoid storing your credit card number in online shopping sites.                                                   

5. Lock your card with a swipe

Monitor card activity and temporarily lock your card if it is lost or stolen. Choose “Set Card Alerts” under the Debit & Credit Cards tab in online banking.

6. Check receipts  

Take your copy of a receipt when available. It can be helpful to check your receipts against your statement to ensure there has not been any fraud. If you do not need a receipt anymore shred it and avoid just throwing it in the trash.

7. Set account alerts

Set up alerts if certain activity occurs, such as large withdrawals or your balance gets low. You can choose “Set Account Alerts” under the Additional Services tab in online banking.  You can also set up card specific alerts that will notify you immediately when your card is used for the criteria you select (any transaction, large transactions, international transactions, etc.). Choose “Set Card Alerts” under the Debit & Credit Cards tab in Elevations online banking.            

8. Monitor accounts from anywhere

Use the Elevations Credit Union mobile app and online banking to review balances and transactions, set alerts and manage your card. You can download the app on Google Play or the Apple App Store. Checking your account often is fundamental to preventing fraud.

9. 24/7 monitoring & Visa Zero Liability‡       

Report suspicious transactions right away, or if you lost your card or suspect it was stolen. For Elevations’ card holders, we continuously  monitor your accounts 24/7 for suspicious activity, and with Visa Zero Liability‡ you are protected in the event of fraudulent charges.   

Elevations will never ask you for your PIN, online banking username or password, or full debit or credit card number by email, phone, or text message. In addition, we will not offer to send a text verification code to prove its Elevations (we do not send these types of text message codes).

If you are unsure whether an email, phone call or text message is from Elevations, please contact us directly.

_{You must notify Elevations Credit Union immediately of any unauthorized use and terms and conditions may apply to any provisional credit.  For specific restrictions, limitations, and other details, please consult contact the Credit Union.}