ALLIANCE FCU - VISA FRAUD MANAGEMENT

Protecting our members from fraud is a top priority for Alliance FCU. To give you additional card security, we use the Visa Fraud Alert Management detection system which monitors your Alliance FCU card activity to help identify and prevent fraudulent transactions.

If suspicious charges or transactions outside of your normal spending pattern appear on your card, Visa Fraud Alert Management will contact you by phone on behalf of Alliance FCU to verify the charges.

To verify your identity, you may be asked to provide personal information such as address, birth date, and confirmation of the last four digits of your Social Security number. You will never be asked to provide your full Social Security number, Visa card number, account number, or PIN.

If Fraud Alert Management is unable to reach you directly, they will leave a message identifying themselves as Risk Management calling to verify transactions made with your Alliance FCU card.

If we are unable to contact you regarding the suspicious charges on your Alliance FCU Visa, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the charges are legitimate.

Visa Purchase Authorizations

In an effort to further protect our members and reduce fraud, we are increasing our Visa security levels and analyzing each transaction for potential fraud. Visa transactions that are highly abnormal from your normal spending activity may be declined.

Although the Fraud Alert Management detection system is designed to detect abnormal activity on your Visa, it is possible that a legitimate purchase may appear suspicious and be declined. If this occurs, call the following numbers to verify the charges. Once your transaction is verified, you will need to process the transaction again.

Alliance Federal Credit Union Card Services

Monday - Friday
9:00 a.m. - 5:00 p.m.

For Example:

You make a purchase with your Alliance FCU Visa at a local store and within two hours, a large international transaction tries to post to your Visa account.

Since it is unlikely that you traveled out of the country within this short period of time to make the international purchase, this transaction will be declined.

Traveling Outside the United States?

Notify Alliance FCU when you travel outside of the United States with the following information:

Where you are traveling
How long you will be outside of the country
When you plan to return

This information will be noted on your account and will alert us to upcoming transactions that will occur outside of your typical spending behavior.

Contact us by phone at 806-798-5554 or 800-687-4328, visit any of our branch locations.