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Georgia Power Northwest Federal Credit Union proudly offers VISA® debit and credit cards to our members.
There Are Daily Limits On Your GPNWFCU Debit Card
When you use your card using a PIN, your limit is $500 per day (with the exception of ATM transactions - see below). When you use it as a “signature-based” or “credit” option the daily limit is $2,000. These limits are set to reduce the liability to the credit union in case your card is lost or stolen. Note that these are “aggregate” daily limits. This means that the dollars on hold are adjusted as purchases are made and the funds are cleared through your account. So, your spending today, may affect your limit tomorrow, if the funds haven’t cleared your account.
In addition, there is a daily limit of $500 for all ATM withdrawals using your debit card.
Merchants May Charge a Surcharge for Purchases Made With Your VISA® Debit or Credit Card
Merchants are permitted to impose a surcharge on consumers when they use a debit or credit card; however, the merchant must notify you about the surcharge prior to processing your payment. To learn more, visit https://usa.visa.com/support/consumer/surcharge-fees.html.
How To Protect Yourself From Debit Card Fraud
A report recently released by a major U.S. payment processor found that 42 percent of survey respondents have been victimized by credit, debit or pre-paid card fraud over the prior five years.
It's bad outside the US, as well, with one in four survey respondents across 17 countries reporting such victimization.
When it comes to fraud, there's a big difference between credit cards and debit cards.
When users spot fraudulent charges on their credit card bill, they can simply decline the charges and not pay the bill.
Debit cards, in contrast, draw money directly from your checking account, with no intermediary credit card company acting as a buffer.
That can mean a world of hurt to those whose debit cards are compromised.
So how can you protect yourself from debit card fraud?
*Don't fall for phishing emails or fraudulent telephone calls.
Email phishing involves trying to trick victims into thinking that they come from retailers, banks, or government agencies such as the IRS or Medicare/Medicaid. The same is true for fraudulent telephone calls. Some thieves may even be able to manipulate caller ID in order to fool you into thinking you are receiving a call from a reputable organization.
Once you click on a phishing email, you're typically taken to a phony website that lures victims into giving up their card or bank account numbers. Presto - the thieves are in.
Never give bank account or debit card information over the telephone to anyone that you do not know. If you are the least bit suspicious, hang up the telephone, and call the telephone number listed for the organization in the phone book.
*Pay attention to bank and credit card statements; and Go paperless.
By using online banking, you can review your account transactions as often as you would like (and you should monitor your account frequently), and by receiving your bank statements electronically, you receive them sooner than you would in the mail, and you prevent someone from intercepting the statements from your mailbox.
If you spot something suspicious on your bank account or statement, notify us immediately! Speed is of the essence when it comes to reporting debit theft. If you report fraud within two days of receiving your statement, your liability is limited to $50.
If you wait up to 60 days, that liability goes up to $500. You can lose everything - your entire account balance - if you wait longer than 60 days.
In that time, you'll run the risk of bouncing important checks, such as those used to pay the rent, your mortgage, or your credit card bill.
*Never let your debit card out of your sight.
Use your card at locations that allow you to swipe the card yourself.
If you must hand the card to a clerk, pay close attention as the clerk swipes your card. They'll have your name, your security code and the card number: all they need, in other words, to vacuum out your account.
Never lend your card to anyone, even family.
*Keep your pin safe.
Memorize your pin and never write it down or give it to anyone.
*Pay attention to your receipts.
Pay close attention to the total on the receipt prior to signing.
Draw a line through, or write a number zero on, any blank lines above the total.
Save your receipts and compare them to your statement. Contact the merchant immediately if a charge does not match the receipt.
*Specific Safeguards for Online Shopping
Never enter payment information on a webpage that does not begin with HTTPS. The "S" at the end of HTTP stands for SECURE.
Shop online as a "guest" whenever possible - this is when an online retailer allows you to check out without creating a profile or saving your payment information.
If you do set up a profile with an online retailer, do not save your card information. While it is convenient to save your payment information for quick and easy checkout, your card information is an easy target for hackers.
Create strong passwords, and change them often.
Visa offers multiple ways you can protect yourself when you use your Visa card online.
VERIFIED BY VISA
Visa offers comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security when you enter credit card information online. By activating your card with Verified By Visa, you will be prompted for a password each time you use your Visa card to shop online. To activate your card(s), click HERE.
Another great way to protect yourself when shopping online is to use Visa Checkout, which allows you to shop at major online retailers without having to use multiple logins or enter your payment and shipping information over and over again. Plus, it gives you the extra security of knowing your card information is fully protected by Visa. Enroll in Visa Checkout by clicking HERE.
VISA PURCHASE ALERTS
Enrolling your cards in Visa alerts helps to keep your account secure. You'll get real-time alerts whenever your purchase meets the criteria you selected during enrollment, which will allow you to identify potentially fraudulent activity immediately. For more information, click HERE.
Read more about protecting yourself when shopping online by visiting http://usa.visa.com/personal/security/learn-the-facts/online-shopping.html
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.
This site provides information about and access to financial services offered by Georgia Power Northwest Federal Credit Union. Georgia Power Northwest Federal Credit Union does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through this site. For more information, read additional important disclosures.
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