Protection you can count on — for your OAS FCU cards
Your OAS FCU Visa® Debit and Credit Cards come with Visa’s Zero Liability protection, which means you won’t be held responsible for unauthorized purchases made with your card or account information, as long as you report them promptly.1,2
At OAS FCU, your security is always our priority — and we’ll guide you through every step if something doesn’t look right.
What this means for you
Full coverage: Both your Visa Debit and Visa Credit Cards are protected from unauthorized use.1,2
Fast support: Once you report an unauthorized charge, we’ll start an investigation and, if eligible, provide provisional credit within five business days.1,2
Peace of mind: You’ll always be kept informed throughout the review process.1,2
If you notice an unfamiliar charge
Check your account: Log in to Online or Mobile Banking and review recent transactions.
Report it right away: How to report a fraudulent activity (How Tos)
Send a Secure Message through Online Banking, or
Contact Member Services to report the date, amount, and merchant (if known).
We’ll open a dispute, provide provisional credit (if applicable), and keep you updated until the case is resolved.2
What to expect
Provisional credit
Usually posted within five business days of your report.1,2
Investigation period
Once you file your case, our internal team and Visa will review the transaction details and keep you informed.
Final resolution
If confirmed unauthorized, the provisional credit becomes permanent. If not, we’ll explain the findings and the next steps.
Important
Provisional credit may be reversed if the transaction is later confirmed as authorized or was reported too late.1,2,3
Not sure if it’s fraud or a merchant dispute?
Here’s a quick way to tell
It may be fraud if
You didn’t make the purchase.
The card wasn’t in your possession.
You see charges from unknown merchants.
A transaction appears out of country or unusual.
It’s a merchant dispute if
You were charged twice.
The amount is incorrect.
You were billed for something you returned.
You never received the merchandise or service.
Fraud = call us right away
Dispute = file it through the Card Management Site (MyCardInfo)4
Frequently Asked Questions
All unauthorized purchases made with your OAS FCU Visa Debit or Credit Card — as long as you report them within 90 days and they were processed by Visa.1,2
Transactions reported after 90 days cannot be disputed and are not eligible for reimbursement.
PIN-based transactions or transactions not processed by Visa may not be covered under Visa Zero Liability. However, debit card transactions are still protected under applicable law, including Regulation E. We’ll review each case individually and inform you.
Report it immediately through Online or Mobile Banking or call Member Services.
We’ll block your card right away, issue a replacement, and help monitor your account for any unusual activity.
If you’re unable to reach us, you may also use the emergency numbers listed in our How To Report a Card Issue guide to block the card after hours. The Credit Union will still issue your replacement card.
Remember. You’re never alone when it comes to protecting your accounts.
If you ever see something suspicious — tell us. We’ll take it from there.2
Disclosures
Visa’s Zero Liability Policy covers U.S.-issued Visa debit and credit cards and does not apply to ATM transactions, PIN-based transactions not processed by Visa, or certain commercial card transactions. You must notify OAS FCU promptly of any unauthorized use. For additional details, contact the Credit Union or visit www.visa.com/security .
Federal law limits consumer liability for unauthorized electronic fund transfers and establishes reporting and error-resolution requirements. Protections and provisional credit, when applicable, are subject to investigation, eligibility, and applicable timeframes.
Federal law provides billing error resolution rights for credit card accounts. You must report billing errors within the required timeframes. Investigation and credit outcomes depend on the results of the review.
MyCardInfo is an online card management service provided by or on behalf of OAS FCU. Use of MyCardInfo is subject to applicable Terms of Use. Information collected through MyCardInfo is obtained, processed, stored, and shared in accordance with OAS FCU’s Privacy Notice. Availability and functionality may be subject to system limitations or interruptions.