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 and credit cards to help identify and prevent fraudulent transactions.

We take action in real time.

Visa USA’s Fraud Monitoring Service analyzes your card activity and identifies transactions that are unusual or outside your normal spending patterns. When fraudulent activity is suspected, we respond.

You may be contacted to verify the transaction.

If there is a suspicious transaction being made with your card, you may be contacted by our automated fraud monitoring service. 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. If you are available, you’ll be prompted to verify your transaction by authenticating your account with your ZIP code and the last four digits of your Social Security number.

If you indicate the transaction is not authorized, your card will be immediately blocked. Contact us during business hours at 800.562.0999 so we can help you with next steps, including issuing you a new card. We’re open Monday through Friday, 7:00 am-7:00 pm and Saturdays 9:00 am-2:00 pm.

If you need assistance outside of business hours, please call 866.221.5006.

The transaction may be declined.

If a transaction is suspected of being fraudulent, it may be declined and your card may be temporarily blocked as an added measure of protection. If your transaction is declined or your card is blocked, contact us at one of the phone numbers above. If it is after business hours, the best option is to use an alternate form of payment. We know this may be inconvenient but that’s how serious we are about protecting you from potential fraud. We hope you understand.

Keep your contact information current.

Our card fraud monitoring service can only reach you if we have your up-to-date contact information on file. Please be sure your information is accurate in Online or Mobile Banking.

Travel safely and conveniently.

If you’re planning a trip abroad, take a look at our playbook for hassle-free travels. Notifying us about travel and card use in unusual locations can help avoid unnecessary fraud triggers and inconvenience.

WSECU also occasionally places restrictions on card use in countries where frequent fraudulent transactions have been identified. This means that transactions in those countries will not be permitted with your WSECU-issued card. If you plan on traveling, please contact us via secure messaging in Online or Mobile Banking or call 800.562.0999 for full details on current card restrictions.

If you are outside the United States and need assistance, please call 360.943.7911.