Debit/Credit Card Security

Credit and debit cards make payment easy, but unfortunately over the years have been targeted for fraud.  Most of the breaches occur at retailers or their processing networks, systems we have no control over, but JHFCU offers several ways to help you keep your card secure.  We encourage you to use these solutions to help protect your card and account.

Lost or Stolen Card: 410-534-4500 or 1-800-543-2870

During business hours: Press 6, then 2

After business hours: Press 3

Activate Card or Select PIN: 1-800-992-3808

 

ATM User Precautions

  • As with all financial transactions, please exercise discretion when using an Automated Teller Machine (ATM). The following suggestions may help reduce Your risk of theft or injury.
    1. Prepare for Your transactions at home to minimize Your time at the ATM.
    2. Mark each transaction in Your Account record, but not while at the ATM. Always save Your ATM receipts. Don't leave them at the ATM because they may contain important Account statements You receive.
    3. Compare Your records with the Account statements You receive.
    4. Don't lend Your ATM card to anyone.
    5. Do not leave Your Card in the ATM.
    6. Protect the secrecy of Your Personal Identification Number (PIN). Protect Your ATM card as though it were cash. Don't tell anyone Your PIN. Don't give anyone information regarding Your ATM card or PIN over the telephone. Don't write Your PIN in Your wallet or purse.
    7. Prevent others from seeing You enter Your PIN by using Your body to shield their view.
    8. If You lose Your ATM Card or it is stolen, promptly notify Us. You should consult the other disclosures You have received about electronic fund transfers for additional information about what to do if Your Card is lost or stolen.
    9. When You make a transaction, be aware of Your surroundings. Look out for suspicious activity near the ATM, particularly if it is after sunset. At night, be sure the facility (including the parking area and walkways) is well lighted. Consider having someone accompany You when You use the facility, particularly after sunset. If You observe any problem, go to another ATM.
    10. Don't accept assistance from anyone You don't know when using an ATM.
    11. If You notice anything suspicious, or if any other problem arises after You have begun an ATM transaction, You may want to cancel the transaction, pocket Your Card, and leave. You might consider using another ATM or coming back later.
    12. Don't display Your cash; pocket it as soon as the ATM transaction is completed and count the cash later when You are in the safety of Your own car, home, or other secure surroundings.
    13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up except the driver's window. Keep the engine running and remain alert to Your surroundings.
    14. We want the ATM to be safe and convenient for You. Therefore, please tell Us if You know of any problem with a facility. For instance, let Us know if a light is not working or if there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.
    15. Use TeleBranch 24 or the Internet Branch to later verify the transactions were correctly posted to Your Account.
  • EMV Chip

    Our Visa debit and credit cards feature an embedded microchip that provides additional safeguards against fraud.

    More Info about EMV Chip

  • Visa Online Checkout

    Skip the lengthy checkout process and use Visa Online Checkout. It's easy, fast and secure, stored behind multiple layers of security, plus receive special deals via email.

    More Info about Visa Online Checkout

  • Mobile Wallets

    Add your JHFCU debit or credit card to popular mobile wallets including Apple Pay, Samsung Pay, and Android Pay. Make secure purchases in stores, in apps, and on the web using your smartphone, Apple Watch, or tablet.

    More Info about Mobile Wallets

  • Card Alerts and Controls

    Enroll your JHFCU Visa debit and credit card to receive instant alerts via email or text for purchases based on the criteria you select.

    More info

  • Federal Trade Commission

    The FTC protects consumers by stopping unfair, deceptive or fraudulent practices in the marketplace. They conduct investigations, sue companies and people that violate the law, develop rules to ensure a vibrant marketplace, and educate consumers and businesses about their rights and responsibilities.

    More Info about Federal Trade Commission

  • Cardholder Fraud Education

    The fraud department will contact you by text, phone, or email regarding suspicious transactions. Find out more about what they ask for and what they don't so you can spot a fraudster.

    More Info about Cardholder Fraud Education