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Using Your Visa

If your card is lost or stolen notify the Credit Union immediately!
On weekends, Holidays, or after Credit Union hours call
(800) 754-4128


Click here to find a
Surcharge-Free ATM anywhere
in the world!

The internet can often quickly spread ?urban myth? stories but few stories gain such rapid appeal with so many potentially negative impacts on cardholder safety and confidence as the misleading stories circulating the internet regarding PIN reversal to signal duress. PIN reversal technology is a concept based upon the possibility that a cardholder could remember (and reverse) his or her PIN at an ATM to draw attention to a dangerous situation like a kidnapping or a robbery. Critics say that it is unlikely that anyone under duress could successfully employ this technique without compromising personal safety.

Another "Phishing" Scam using Verified by Visa

Recently consumers have received a fraudulent Verified by Visa (VvB)
"Phishing" for cardholder information. This scam involves high-tech fraudsters pretending to be Visa.  The e-mail has official -looking Visa logos designed to trick consumers into divulging financial and personal information (i.e. account numbers, passwords, Social Security Numbers, and other sensitive data)

Don't share sensitive information about your account with anyone!


Sample ATM Skimmer Device

A team of organized criminals is installing equipment on legitimate ATM's in at least 2 regions to steal both the ATM card number and the PIN. The team sits nearby in a car receiving the information transmitted wirelessly over weekends and evenings from equipment they install on the front of the ATM (see photos). If you see an attachment like this, do not use the ATM and report it immediately to the 800 number or phone number shown on the front of the ATM.


The equipment used to capture your ATM card number and PIN are cleverly disguised to look like normal ATM equipment. A "skimmer" is mounted to the front of the normal ATM card slot that reads the ATM card number and transmits it to the criminals sitting in a nearby car.


At the same time, a wireless camera is disguised to look like a leaflet holder and is mounted in a position to view ATM PIN entries.


The thieves copy the cards and use the PIN numbers to withdraw thousands from many accounts in a very short time directly from the ATM.



Equipment being installed on the front of existing bank card slot.

The equipment as it appears installed over the normal ATM bank slot.

The PIN reading camera being installed on the ATM is housed in an
innocent looking leaflet enclosure.

The camera shown installed and ready to capture PIN's by looking down
on the keypad as you enter your PIN


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