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Debit Card Security

How We Help

We have sophisticated tools that monitor, detect, and fight fraud at every step of the purchasing process, even before you purchase. Our experts are continually building and refining our technology to stay ahead of fraudsters.

Zero-liability protection against fraudulent purchases with VISA®.

Prompt account credits.

Verified by VISA® service.

Fraud Analysis

We have an industry-leading, advanced fraud detection system called Falcon that protects your debit, point-of-purchase, and credit card transactions. The program actually learns your purchasing patterns, comparing real-time authorization data with your individual card behavior and existing trends.

When you use your debit or credit card, we’ll quickly analyze the transaction, deliver an authorization decision, and determine if the account should be queued for further attention. Then, an analyst reviews the item and determines the appropriate course of action. Depending on the transaction, an analysis can result in you receiving a personal phone call to verify the activity on your account.

Of course, your transactions change over time. So the system continues to learn along with them, updating itself continually.

These security benefits are available 24 hours a day, seven days a week.

If you receive a call from the Falcon fraud analysts, they will identify themselves as calling on behalf of Resource One Credit Union security. Remember, you will never be asked to give your VISA® Card number, account number, or Personal Identification Number (PIN). You will only be asked to verify specific transactions on your account. If you ever have questions regarding this fraud protection program, please contact us immediately.

Lost or Stolen Cards

To report a lost or stolen debit or credit card, please call 1-800-375-3674 during business hours or 1-800-442-4757 after hours.

Check Your Statements

Save the receipts from your charges and keep them in a safe location. Check your statements and account history often to verify that they properly reflect the amounts you’ve authorized. Report any unauthorized transactions immediately. Once you have reconciled your statements, shred all receipts & statements.

Take Advantage of Online Banking and eStatements

Sign up for Online Banking and conduct your complete financial business whenever it’s convenient for you, 24 hours a day, seven days a week. Plus, you can utilize Online Bill Pay and eStatements, saving you time and money, as well as enhancing your security.

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© 2022 Resource One Credit Union. All rights reserved.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.