Card Fraud

Criminals are very intelligent and can obtain your debit card information through various avenues including when you use your card for online purchases on unsecured website, ‘skimming’ devices installed on card reader terminals (i.e. pay at the pump for gas stations and even ATM machines), a dishonest employee who records your card number, and even data breaches from merchants (i.e. Target, Home Depot, etc.). Once they have the card number, criminals often ‘clone’ a duplicate card that can be used to make fraudulent purchases. Although we work closely with a fraud monitoring company, sometimes unauthorized transactions can still come through.

It is important that you review your account on a very regular basis and contact us if you notice any suspicious activity.

If you notice transactions that were unauthorized as pending or that have already cleared your account, you need to contact Extra Credit Union during normal business hours and notify us of the activity.

We will be able to stop (terminate) the card that has been compromised, issue a replacement card, and provide you with the required Card Dispute Form to request a conditional credit of funds. This will refund your account with the funds that were taken from your account through the fraudulent transactions.

If you notice these transactions after normal business hours, you will need to contact the Fraud Phone Number at (855) 293-2456 to have the card stopped. Please note that you will still need to contact Extra Credit Union during normal business hours to have a replacement card ordered and to be provided with the required Card Dispute Form.

If you are contacted by fraud monitoring verify unauthorized transactions, you will need to make sure to contact Extra Credit Union as they cannot order a replacement card.

Although we try to provide a conditional credit for fraudulent transactions as quickly as possible, it may take up to 10 business days to be provided with a conditional credit after we receive the completed and signed Card Dispute Form.

If you need to report your card as lost or stolen, and it is during normal business hours, contact Extra Credit Union at (586) 276-3000. If it is after normal business hours, call the JHA Hot Card Center: US:(888) 297-3416 or International: (206) 389-5200.

Members also may report their card as lost or stolen through Extra Credit Union’s eBanking App on their mobile device or tablet. Please note, reporting through this manner will only deactivate lost/stolen cards. Members must contact ECU during business hours to choose a reissue method, i.e. instant issuance or via mail.