Card Services

SECU Offers 24/7 Visa® Credit and Debit Card Service.

• For full credit card service please call 800-344-6501.
• For debit card service please call 410-487-7328 or 800-879-7328 24-hours a day, seven days a week (full debit card service is available M-F, 8am-7pm, Sa 9am-1pm).
• For emergency credit card service from outside the US, please see the Visa® Global Assistance toll free directory (opens in new window).
• After Hours card services (below) are available outside regular business hours (including holidays).

After Hours Debit Cards Services:

• Lost or stolen cards
• Card activation
• Temporary blocks
• Real-time declines due to fraud alerts
• NSF declines
• Address verification

Debit Card Fraud/Disputes

• If you suspect fraudulent activity on your SECU Visa debit card, please complete and submit our Debit Card Fraud Claim form.
• For claims regarding an unauthorized ATM withdrawal or other use, please complete and submit our Unauthorized ATM Use Claim form.
• For merchant claims regarding your Visa Debit card, please complete, sign and submit the Visa Debit Dispute form.

Credit Card Fraud/Disputes

• If you suspect fraudulent activity on your SECU Visa Credit Card please call 800-344-6501 immediately.
• For merchant claims regarding your Visa Credit card, please call 800-344-6501.

Visa Debit and Credit Alerts and Controls

To receive Visa Purchase Alerts, cardholders can sign up through Online Banking. Once enrolled, cardholders can establish specific alert triggers. Anytime a qualified Visa transaction takes place that meets your defined parameters, you will receive an alert in seconds via SMS text message.

Alerts and Controls can include:

• Reaching a purchase amount threshold
• International purchases
• Purchases made on the internet or over the phone
• Setting spending limits
• Turning your card on and off
• Viewing spending insights
• Adding a travel notification
• Managing your PIN

3D Secure Code One Time Passcode Terms and Conditions for Online Transactions

Please read these terms and conditions carefully and make sure you have fully understood before using this service. By using this service after you have read these Terms and Conditions shall mean that you have accepted such Terms and Conditions.

1. When making an online transaction that requires OTP, the OTP will be sent to your mobile phone number already registered with SECU Credit Union via SMS. You must then enter your OTP to complete your transaction on the page of your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the online merchant will reject your card for this transaction. You agree that SECU Credit Union is not responsible for the rejection by such merchant to accept your card payments on the basis of this.
2. By using this OTP service:
   1. You agree to provide your data required for the transaction authorization process in the use of this OTP service.
   2. You agree to keep the confidentiality of your card number or personal information that you have entered to this service. If you let someone else use your passcode, you will be responsible for all claims, losses, and other consequences relating to all transactions that have taken place using this service.
   3. You understand that OTP service can be used only for transactions at the merchants online that have 3D Secure.
   4. You agree that SECU Credit Union is not liable for losses arising from your failure to comply with these Terms and Conditions.
   5. You understand that messages and data rates may apply for using this service.