Compromised Card Information

What does card compromise mean?

Card compromise means that credit/debit card information may have been obtained by unauthorized individual(s).  Most compromises involve a criminal gaining unauthorized access to a merchant’s or card processor’s computer system (sometimes referred to as “hacking” into or installing “malware” to capture data on a system).

Where did the breach occur?

The name of the merchant or processor where the breach occurred is rarely released by Visa.  In very large breaches which affect millions of cardholders, the name is usually made known to consumers via major media outlets

Does this mean someone is using my card?

Not necessarily.  This means that your card number could potentially be used by someone.  Monitor your account and report any fraudulent activity to us immediately.

Will I get a new card?

It depends on the circumstances of each compromise. You will be mailed a notice directly from Riverside Federal CU if a new card has been ordered. If at any point you feel as if you would like a new card please contact us.

If  I get a new card, will the PIN be different?

Yes, a new PIN is generated and the card number is different.  You will receive the PIN in a separate piece of mail.

Will I be charged a card replacement fee?

No, under these circumstances, we do not charge a card replacement fee.

How long does it take to get the new card?

You will usually receive your new card within 7-10business days.

What if I have preauthorized debits to the compromised card number?

Contact the merchant when you have received and activated your new card and give them the new card  number and expiration date.  You may be able to use the merchant’s website to update this information.

What can I do to keep this from happening again?

Unfortunately, fraud of all sorts has become a part of our daily lives but to protect yourself please check your accounts often and report an suspicious activity immediately.  We recognize the inconvenience Members face when this happens and we will assist you in getting fraudulent activity removed from your account.

What security precautions should I take with my Visa CheckCard?

Always know where your card is, and if you misplace it, call us immediately during business hours so we can block the card.  After hours debit card: 1-800-554-8969 and Credit Card: 1-800-543-5073. Never store your PIN on the card or in a place where both can be stolen.  Monitor your statement for authorized activity. When using your card on the internet be aware of what sort of a site it is and check for the security features that should always be present on the site.  If you receive a phone call from someone asking for your debit card information do not provide this information unless you feel comfortable.

If fraud does occur on this account, what should I do?

Please call us immediately so that we are able to address the issue.  Normal operating business hours:

Call our office at 716-875-1747 and speak with a MSR who will be able to assist you.

After hours:

Debit Card: 1-800-554-8969

Credit Card: 1-800-543-5073