Protecting You from Card Fraud

One of our top priorities is to protect you from card fraud. To do so, we use Visa® USA's Fraud Monitoring Service. This service continuously monitors your WSECU debit, credit and ATM cards to help identify and prevent fraudulent transactions. 

How Fraud Monitoring Works

Fraud Monitoring Service analyzes your card activity and identifies transactions that are unusual or outside your normal spending patterns.

When fraudulent activity is suspected, there are several things that may happen depending on the transaction patterns the service is monitoring:

  • You may be contacted by our fraud monitoring service's automated system to verify the transaction.
    • You will be prompted to authenticate your account through multiple-choice questions to verify your zip code and the last four digits of your Social Security Number.
    • If you are unavailable when the monitoring service contacts you and you have voicemail, the system will leave a case number and phone number for you to call. When you call, you will be asked for your case number or 16-digit card number.
  • A specific transaction may be declined.
  • In some instances, your card may be blocked as an added measure of protection.

If you experience declined transactions or your card is blocked, contact us at 800.562.0999. If you are outside the United States, please call 360.943.7911. If it is after business hours, the best option is to use an alternate form of payment. We apologize for the inconvenience this may cause and hope you understand the importance of protecting you from fraud.

If you receive a call from our fraud monitoring service about a transaction you did not authorize, please indicate that the transaction is unauthorized and they will immediately block the card. Contact us at one of the numbers above during business hours so we can help you with next steps, including issuing you a new card.

Keep in mind, our card fraud monitoring service can only reach you if we have your up to date contact information on file. If you need to update your contact information, take a look at these instructions.

Restrictions to Note

From time to time, WSECU places restrictions on countries based on trends or common areas where fraudulent transactions have been identified. This means that transactions in those countries will not be permitted with your WSECU-issued card. Please contact us if you plan on traveling for full details on current card restrictions.

Fraud Monitoring and Your Travels

The toll-free number (866.221.5006) for this service does not work internationally. If you are traveling abroad, we suggest doing a little footwork to be prepared. Take a look at our Ideas and Tips for Hassle-Free Travels  article to get started.

Please note: Fraud Monitoring Service is for card fraud only. To report any other type of fraud, please contact us at 800.562.0999 during business hours or by sending a secure message through Online Banking.