Card Security | INOVA Federal Credit Union | Elkhart, Mishawaka, Granger

The security of your account is INOVA's top priority. See below for information about how we work together to spot, prevent, and recover from card fraud.

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Chip Protection

Your tiny chip offers big protection! One of the biggest sources of card fraud is counterfeit cards, where thieves steal card information by using skimming devices at places like gas pumps and vending machines. Here's a great way to protect yourself:

Avoid swiping, and instead, either insert your card or "tap" if that option is available and you have the tap symbol on your card.
- With chip cards, your information is encrypted - chips create a secret code that is constantly changing, so even if thieves scan your chip card, they cannot use it without the chip.
- In contrast, magnetic strip cards store information right in the strip, making it easier for thieves to steal your information and create a counterfeit card.

Visa Fraud Monitoring

More protection to keep your account safe.

INOVA's Visa Fraud Monitoring helps keep your account safe by notifying you of potentially fraudulent activity.

How does it work?
Visa Fraud Monitoring sends you notifications that will inform you of any unusual or suspicious activity on your debit or credit card.

How am I notified?
Alerts are sent via email, text, and phone. This is a great time to make sure your contact information with INOVA is current. Log into digital banking and select "Tools", then "Settings", then "Contact".

Emails will come from [email protected]
Texts will come from 23618
Calls will continue to come from (866) 221-4953

Please make sure to save these INOVA numbers to your contacts so you don't miss any alerts and re-route any messages out of your spam folder if necessary.

What should I do when I receive an alert?
You can reply "yes" or "no" to either confirm or deny the activity. If you reply "no" then INOVA will automatically block your card to prevent any additional fraudulent activity.

Fraud Alerts Program Overview
Messaging frequency depends on account activity. For more information, text HELP to 23618. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device.

For Fraud Alerts support, call 800-826-5465. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud. HELP instructions: Text HELP to 23618 for help or call 800-826-5465. STOP instructions: Text STOP to 23618 to cancel.

Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of wireless carriers may interfere with messages delivery for which the carrier is not responsible. Carriers do not guarantee that alerts will be delivered.

INOVA Federal Credit Union

www.inovafederal.org

800-826-5465

https://www.inovafederal.org/_/kcms-doc/1570/37957/privacy-policy.pdf

Debit Card Security Features

INOVA Alerts and Controls

A great way to monitor your account and protect yourself from fraud! It’s easy to sign up for INOVA Alerts.

On our mobile app, log into digital banking and click More > Cards > Debit Card Management
On a web browser, log into digital banking and select the Cards Menu > Debit Card Management

Lost or Stolen Debit Cards

You can report your card lost or stolen via digital banking and receive a replacement card in 3-5 business days.

On the mobile app, click More > Cards > Debit Card Management, swipe to the correct card and scroll down to "Replacement Options".
On a web browser, select the Cards Menu > Debit Card Management, click on the correct card and choose "Replacement Options".

You can report your card lost or stolen via phone and receive a replacement card in 7-10 business days.

During business hours - 9:00 am and 5:00 pm (EST) call (800) 826-5465 to report your card lost or stolen.
After business hours or on weekends, call (866) 438-4694 to report your card lost or stolen.

You can also report your card lost or stolen at any branch location and and receive a replacement card immediately.

Update PIN

Updating your Debit Card PIN is quick and easy:

On our mobile app, log into digital banking and click More > Cards > Debit Card Management > swipe to the correct card > select "Update PIN"
On a web browser, log into digital banking and select the Cards Menu > Debit Card Management > click on the correct card > select "Update PIN"

Travel Notice

To prevent potential card interruptions while travelling domestically or internationally:

On our mobile app, log into digital banking and click More > Cards > Debit Card Management > Travel Notices
On a web browser, log into digital banking and select the Cards Menu > Debit Card Management > Travel Notices

Dispute & Fraud Forms
Click here to report fraud or file a dispute.

Credit Card Security Features

Lost or Stolen Credit Cards

You can report your credit card lost or stolen via phone and receive a replacement card in 7-10 business days.

During business hours - 9:00 am and 5:00 pm (EST) call (800) 826-5465 to report your credit card lost or stolen.
After business hours or on weekends, call (866) 438-4694 to report your credit card lost or stolen.

You can also report your credit card lost or stolen at any branch location and and receive a replacement card immediately.

Travel Notice

To prevent potential credit card interruptions while travelling domestically or internationally please call (800) 826-5465 during business hours - 9:00 am and 5:00 pm (EST).

Dispute & Fraud Forms
Click here to report fraud or file a dispute.