Card Member Security
If your debit card has been lost or stolen, or if your account seems to be reflecting purchases that were not made by you, it is important that you immediately contact Peninsula Credit Union. The best place to start is by calling a Member Services Representative at 360-426-1601 or 800-426-1601. If it is the weekend, holiday or after hours, the automated attendant will walk you through how to reach our fraud detection service.
Fraud Detection System
Peninsula Credit Union uses an industry-leading, advanced fraud detection system for the purpose of protecting your debit, point-of-purchase, and credit transactions. This system actually learns your purchase patterns, comparing real-time authorization data with your individual card behavior and existing trends.
How it works:
When you use your Peninsula debit card, the system quickly analyzes the transaction, delivers an authorization decision, and determines if the account should be queued for further analysis. If so, a caseworker reviews the transaction and determines the appropriate course of action. At this point, you may be contacted to verify the transaction.
If a transaction appears unauthorized, the system can save you countless amounts of time and money by placing a block on your debit card to prevent further charges. This block will remain in place until we are able to verify the transactions with you. In order to minimize cardholder impact due to blocks being placed, the Fraud Manager includes 24-hour, 7-day a week call center support at 888-918-7313.
If you receive a call from the Fraud Service Center, they will identify themselves as calling on behalf of Peninsula Credit Union, you will NEVER be asked to give your entire card number, account number, or PIN. You may be asked to verify specific transactions on your account. Also, you may be asked to provide information by which to identify you if you call them back from a number that they do not have in their records. If you ever have questions regarding this service, please contact us immediately at 360-426-1601.
Of course, your transaction patterns will change over time. The fraud detection system continues to learn along with them, updating itself with each transaction. These security benefits are available 24 hours a day, seven days a week.
It is important that you notify us if you have updated your phone number to avoid unnecessary blocks on your card. In addition, if you are planning on traveling out of the country, please contact us before you do so. If you plan to travel, please keep these numbers handy: 888-918-7313, 727-299-2449 (overseas collect) in case a block is placed on your account while you are away.
As a Peninsula Credit Union member, you can rest easier knowing your debit card is being protected by our fraud detection system.