
If you sign up for a free trial, cancel the subscription ASAP if you do not intend to renew it at cost.Verify the company is established, trustworthy, and protects your personal information before doing business with them. Be cautious when you are approached or prompted to buy something you were not planning to buy. Be the initiator when signing up for new services or making purchases, both online and in-person.You can increase the limit in real-time if you need to make an irregular, larger purchase. Lower your debit card daily transaction limit with Card Controls in the CFCU Mobile Banking app.Connect your debit or credit card to a Digital Wallet (like Apple Pay) for contactless and more secure in-store and online transactions.Complete your online shopping with well known online stores, preferably those with brick-and-mortar locations near you.There are a few simple steps you can take to decrease the chance that you experience an unauthorized (or unwanted) transaction. If you do not use Online Banking, please contact us for further assistance. If checks have been lost or stolen, then you can submit a stop payment on those check numbers from Online Banking. If you are unable to visit a branch, please contact us for further assistance. To report unauthorized ACH or check transactions, a Written Statement of Unauthorized Debit (WSUD) must be completed and notarized at one of our branches.
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It is possible that the service was not cancelled within the trial period, so the regular subscription charge was assessed. If you notice an unauthorized transaction, first check if it is from a company that offered a free trial. Your card will be closed permanently when you report unauthorized activity, so we recommend that you first disable your card (temporarily) with Card Controls in the CFCU Mobile Banking app, then contact the company to get information or resolution about the charge.įree trial periods for subscription services are commonplace. You are not liable for unauthorized transactions if you report them within 60 days. To report unauthorized debit or credit card transactions, call Cardholder Services at 1-85 (available 24/7) to start the process. Unauthorized Debit or Credit Card Transaction
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Keep reading for instructions to report fraud and for tips to reduce risk – including how to identify phishing email. Most people have experienced fraud with an unauthorized transaction, or they know someone who was victimized by a common scam.
