When you go on vacation, the last thing you want is trouble accessing your money. One of the most common difficulties occurs when credit or debit cards are blocked because unusual expenses may appear fraudulent. But don’t worry — a few simple, preliminary steps can help you avoid problems and enjoy your trip.
Plan ahead with a few easy steps
Notify your financial institutions of your travel plans a minimum of three days in advance.
- Contact WSECU by sending a secure message through Online or Mobile Banking or call 800.562.0999 to let us know your travel expenses are legitimate.
- Tell us the dates and locations you'll be visiting, especially if you're traveling abroad.
- Note that in certain countries, your debit or credit card may be restricted or not permitted. When you contact us, we'll help you find solutions if you're visiting one of those countries.
Plan to bring more than one form of payment.
- Have a backup payment in case your debit or credit card is lost or doesn't work. You may want to bring more than one card, a small amount of the local currency, or both.
Take relevant contact information with you.
- Call us at 800.562.0999 when traveling in the U.S. If you're traveling abroad, you can reach us by calling 360.943.7911 or by sending a secure message through Online or Mobile Banking.
Be sure your financial institutions have your primary phone number.
- Leave a number on file that allows you access to messages in case you need to be contacted in the event of suspected fraud.
Locate financial institutions and ATM networks in advance.
- Look on the back of your debit or credit card for the logos of the ATM networks you can use.
- Search the Visa Global ATM Locator for international ATMs for your WSECU Visa®debit and credit cards.
Familiarize yourself with the currency.
- Know the conversion rates of foreign currencies so you can keep track of how much you’re spending.
Take the usual precautions while you're away
Be aware of your surroundings when using an ATM.
- Ensure you are in a well-lit, public location. Using ATMs inside financial institutions rather than freestanding machines is usually safer.
- Leave if you notice anything or anyone who looks suspicious.
Pay attention to potential foreign transaction fees.
- You won’t be charged when using WSECU credit or debit cards, but other financial institutions may include fees to cover the cost of currency conversions.
Know about ATM surcharge fees.
- You’ll most likely encounter ATM fees, in addition to any applicable foreign transaction fees. They’ll vary from institution to institution.
Keep an eye on your account.
- Use Online Banking or Mobile Banking to check your accounts and perform transactions as needed during your travels.
Lost or stolen card?
Contact us to report a lost or stolen card or visit the Visa USA website for next steps to get your card blocked and an emergency replacement on its way to you.