When you go on vacation, the last thing you want is to have trouble accessing your money. We don't want that for you either, so here is some information and some suggestions to prepare in advance so you can relax and enjoy your travels.
Before You Go
Notify us of your travel plans a minimum of three days in advance.
Be sure to let us know the dates and locations you'll be visiting, especially if you're traveling abroad. Please note that in certain countries, using 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 take more than one form of payment
It's important to have a backup in case your debit or credit card is lost or doesn't work. You may want to take more than one card, a small amount of the local currency, or both. If you do take cash, money belts are one way to carry cash with you securely.
Take our contact information with you
If you're traveling in the states, you can reach us at 800.562.0999. Our toll-free number doesn't work internationally so if you're traveling abroad, you can reach us by calling 360.943.7911 or sending a secure message through Mobile Banking.
Be sure we have your primary phone number on file
This could be your mobile phone or your home number with voicemail that you check regularly. This will enable us to reach you in the event of suspected fraud.
Locate financial institutions and ATM networks in advance
Look on the back of your debit, credit or ATM card for the logos of the ATM networks you can use. A good online resource to search for international ATMs for your WSECU Visa® debit and credit cards is the Visa World Wide locater service.
Familiarize yourself with the currency. To avoid being scammed or taken advantage of, learn what the denominations are for bills and coin for any foreign country you'll be traveling to. Denominations in other countries do not work the same as they do in the United States – for example, some have coin instead of bills for smaller denominations.
While you're away
Be aware of foreign transaction fees. Good news: There are no foreign transaction fees when you use your WSECU debit or credit card internationally. However, be aware that most financial institutions pass along the amount they're charged for the currency conversion and some of the major banks also often tack on an extra percentage for profit.
Using ATMs in foreign countries
Take normal precautions as you would at home:
Be aware of your surroundings.
Ensure you are in a well-lit, public location. We recommend using ATMs inside financial institutions rather than freestanding machines.
Leave if you notice anything or anyone who looks suspicious.
Be aware that there will likely be an ATM surcharge fee (in addition to any applicable foreign transaction fees), which will vary from institution to institution.
Keep an eye on your account. The world of technology makes account access even easier these days. If you're able, we recommend using Online Banking or Mobile Banking to check your accounts and perform transactions as needed during your travels.
Lost or stolen cards. Visit the Visa USA website. for contact information and next steps to get your card blocked and an emergency replacement on its way to you.