Fraud Protection Services


PLASTIC CARD PROTECTION

  • EMV CHIP TECHNOLOGY

What’s an EMV Chip Card? We all use our debit and credit cards for things like shopping, eating out and buying groceries. Now members who carry a GCCU Visa Debit and/or VISA Credit card will have the added security benefits of an EMV chip card. The new card technology are nearly impossible to counterfeit, and travel will be even easier in more numerous countries across the globe where chip cards are already commonplace. EMV chip cards can do everything a traditional magnetic stripe card can do but even more securely. Plus you are always protected from fraud by Visa’s Zero Liability Policy.

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Apply for a GCCU VISA Debit Card at any branch location.

Apply for a GCCU VISA Credit Card at any branch location or click here to apply on-line (insert loan app link)

  • FRAUD PREVENTION

THE GREATER CINCINNATI CREDIT UNION PLACES GREAT EMPHASIS ON PROTECTING OUR MEMBERS FROM POTENTIAL PLASTIC CARD FRAUD AND DATA BREACHES UTILIZING THE LATEST TECHNOLOGIES TO COMBAT FRAUD. OUR FALCON FRAUD DETECTION SERVICE PROVIDES REAL-TIME DECISION FRAUD PREVENTION FOR OUR VISA CREDIT CARDHOLDERS. OUR STAR ATM/DEBIT CARDHOLDERS ARE PROTECTED WITH OUR FRAUD RISK IDENTIFICATION SERVICE (FRIS) TOOL.

IF UNUSUAL ACTIVITY IS DETECTED ON ONE OF YOUR CARDS YOU MAY RECEIVE A PHONE CALL FROM OUR SECURITY EXPERTS TO VERIFY IF SOMEONE IS USING YOUR CREDIT OR ATM/DEBIT CARD(S) FRAUDULENTLY.

Important to remember, if you do receive a call from one of our security experts at FALCON or FRIS, you will NEVER be asked to provide your full account number, PIN or 3-digit Security Code. For your protection, do not give anyone who contacts you any confidential account data, regardless of how legitimate the request may seem.

  • TRAVELING WITH YOUR GCCU VISA CREDIT or ATM/DEBIT CARD(S)? (this section is also located in the Loans/Credit drop down menu in VISA section)

Please let us know if you will be traveling and plan to use one of your GCCU cards. Due to the Fraud Preventative tools we have in place, if you are attempting to use your card(s) in areas you don’t normally, the fraud system may be alerted and deny your purchase request. If you let us know your travel itinerary prior to leaving we can make a notation on your account and temporarily remove the travel restrictions from your card(s). Simply call us at (513)559-1234 or (800)803-1234 Monday-Friday 930A-530p or Saturday 9A-12P. You may also log into your TELLIE On-Line account and send us a secure message detailing the travel dates and states/countries you’ll be visiting.

  • VISA PURCHASE ALERTS(this section is also located in the Loans/Credit drop down menu in VISA section)

Help reduce fraud and monitor your spending anytime, anywhere with VISA Purchase Alerts. Once enrolled, you can receive near real-time updates on your VISA ATM/Debit and VISA Credit card activity. How you choose to use this free service is up to you. You can receive near real-time alerts via email or text right to your smartphone on: On-Line Purchases, Purchases made outside of the U.S., and Purchases exceeding a specific dollar amount that you set.

 

To enroll in Purchase Alerts simply visit: https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html

ON-LINE BANKING PROTECTION

  • AUTHENTICATION and FRAUD DETECTION

IN AN EFFORT TO PROVIDE A SAFE AND SECURE ON-LINE BANKING EXPERIENCE FOR OUR MEMBERS, THE CREDIT UNION EMPLOYS A MULTI-FACTOR AUTHENTICATION SYSTEM FOR ACCESSING YOUR ACCOUNTS THROUGH TELLIE ON-LINE AND TELLIE MOBILE APP. RANDOM CODE GENERATION, SECURITY Q&A’S, PRIVATE PASSCODES, AND UNIQUE SECURITY CODE MESSAGES ARE ALL THE WAYS WE PROTECT YOUR ON-LINE INFORMATION WHILE ALSO COMPLYING WITH FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL  (FFIEC) REQUIREMENTS FOR FINANCIAL INSTITUTIONS TO EMPLOY ENHANCED AUTHENTICATION PROCEDURES TO ACCESSING ACCOUNTS ON-LINE.

PERSONAL CREDIT PROTECTION

  • YOUR CREDIT REPORT MATTERS

PROECTING YOURSELF FROM THE THREATS OF IDENTITY THEFT OR HAVING UNWANTED ACCOUNTS BEING ESTABLISHED UNDER YOUR NAME IS VERY IMPORTANT. WE SUGGEST YOU REVIEW YOUR CREDIT REPORT EVERY YEAR BY VISITING WWW.ANNUALCREDITREPORT.COM. YOU ARE ENTITLED TO VIEWING A FREE COPY OF YOUR CREDIT REPORT EVERY 12 MONTHS FROM EACH OF THE THREE NATIONWIDE CREDIT REPORTING COMPANIES; EQUIFAX, EXPERIAN AND TRANS UNION.

BENEFITS OF VIEWING YOUR CREDIT REPORT ANNUALLY INCLUDE: CHECKING FOR IDENTITY THEFT, VERIFYING CREDIT CARD BALANCES ARE ACCURATE, LOOK FOR REPORTING MISTAKES, CONFIRMING YOUR PERSONAL INFORMATION IS CORRECT, AND VERIFYING THE STATUS OF ANY CO-SIGNED OR AUTHORIZED USER LOANS YOU ARE ON.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Greater Cincinnati Credit Union |  All Rights Reserved. | Copyright 2017 | PRIVACY AND DISCLOSURES | Designed by Zoozler

  ONE CARD SO MANY BENEFITS

FIXED RATES AS LOW AS 9.90% APR

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VISA PURCHASE ALERTS

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