Visa® Credit and Debit Card Security

Product Security

Visa® Credit and Debit Card security


How we help :

Zero-liability protection against fraudulent purchases.

Prompt account credits.

Verified by Visa service.

Fraud analysis

We have an industry-leading, advanced fraud detection system called Falcon that protects your debit, point-of-purchase, and credit card transactions. The program actually learns your purchasing patterns, comparing real-time authorization data with your individual card behavior and existing trends.

When you use your debit or credit card, we'll quickly analyze the transaction, deliver an authorization decision, and determine if the account should be queued for further attention. Then, an analyst reviews the item and determines the appropriate course of action. Depending on the transaction, an analysis can result in you receiving a personal phone call to verify the activity on your account.

Of course, your transactions change over time. So the system continues to learn along with them, updating itself continually.

These security benefits are available 24 hours a day, seven days a week.

If you receive a call from the Falcon fraud analysts, they will identify themselves as calling on behalf of America First security. Remember, you will never be asked to give your Visa Card number, account number, or Personal Identification Number (PIN). You will only be asked to verify specific transactions on your account. If you ever have questions regarding this fraud-protection program, please contact us immediately.

How can I enhance the already secure state of my America First Visa Card?

Enroll your cards at www.v.me. Taking advantage of this service means:

  • Your payment information is stored behind multiple layers of security.
  • You can expect responsive customer support if you have a question or issue.
  • You can receive near real-time alerts via email or text messages that keep you informed of purchase activity on any eligible Visa card.

Additional information is available at: http://www.staysafeonline.org/stop-think-connect/tips-and-advice.

What else can I do?

Always contact us before traveling.

Sign your cards immediately on the back signature panels.

Don't keep your Online Banking credentials or Personal Identification Number (PIN) on your cards or with your cards, and never share this information with anyone.

If you do lose a card, you can block your PIN through free Online Banking:

  • Log in to Online Banking.
  • Choose the Other Services tab.
  • Select Cancel PIN in the Account Services section.
  • Read the information and choose Cancel PIN.

Check your statements

Save the receipts from your charges and keep them in a safe location. Check your statements to verify that they properly reflect the amounts you've authorized. Report any unauthorized transactions immediately. Once you have reconciled your statements, shred all receipts & statements.

Take advantage of Online Banking and Online Statements

Sign up for free Online Banking and conduct your complete financial business whenever it's convenient for you, 24 hours a day, seven days a week. Plus, you can utilize free Online Bill Pay and free Online Statements, saving you time and money, as well as enhancing your security.

Keep a list of all your card account numbers

Place the list in a safe and secure place and include the telephone numbers to call if your cards are ever lost or stolen. And remember to be cautious: never provide anyone who contacts you first with your personal or financial information.

Reporting Fraud

  • Forward suspicious email to:
  • emailfraud@americafirst.com
  • If you suspect fraud, you may also contact us:
    • At 1-800-999-3961.
    • By visiting a branch.
    • Or in writing to America First Credit Union, Attn.: Fraud Management, P.O. Box 9199 Ogden, Utah 84409.

Report a Lost or Stolen Card

  • To report a lost or stolen debit or credit card(s), please call 1-800-999-3961.
    • We'll cancel your card immediately.
    • You won't be liable for any fraudulent activity.
  • Be prepared to provide:
    • Your name.
    • Which card was lost/stolen.
    • Date lost.
    • Date last used.
    • Mother's maiden name.
    • State or country where lost.
    • If PIN was compromised.
  • You can block your PIN through Online Banking.
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