Lost or Stolen Card
What to do if your cards are lost or stolen
Losing your debit or credit card can be frustrating. Don't worry, we're here to help. If your card is lost or stolen, notify Ideal CU immediately. In the case of a stolen card, notify the police department as well.
For Ideal Credit Union Debit Cards
Call us at 651-770-7000 anytime and select the debit card prompt. An agent can assist with:
- Lost or stolen and replacement cards
- Travel notifications
- Declined transactions & more!
For Ideal Credit Union Visa Credit Cards
Call us at 651-770-7000 anytime to report that your card has been to report fraud or that your card has been lost or stolen.
You also have 24/7 access to manage your credit card in Digital Banking, where you can:
- Block your card
- Order replacement card
To obtain assistance while traveling, contact the Visa Assistance Center:
- Domestic: 800-VISA-911
- International: (collect) 410 581-9994
Helpful Information
I lost my card – what do I do?
Report the loss or theft of your card as quickly as possible. Ideal CU has a 24-hour service to deal with such emergencies. Be sure indicate when you noticed your card was missing, and the date you first reported the loss (if any).
Review Our Lost/Stolen Wallet Checklist
Am I responsible for fraudulent charges?
Review Our Lost/Stolen Wallet Checklist
After the loss, review your Ideal CU credit card or checking account statements carefully. If they show any unauthorized charges, document each questionable charge and contact Ideal CU right away.
Protecting Your Cards
The best protections against card fraud are to know where your cards are at all times and to keep them secure. For protection of your Ideal Credit Union debit and Visa Credit cards that involve a Personal Identification Number (PIN), keep your PIN a secret. Don't use your address, birth date, phone or Social Security number as the PIN and do memorize the number.
For Credit or Debit Cards
- Be cautious about disclosing your account number over the phone unless you know you're dealing with a reputable company.
- Never put your account number on the outside of an envelope or on a postcard.
- Draw a line through blank spaces on charge or debit slips above the total so the amount cannot be changed.
- Save your receipts to check against your monthly statements.
- Cut up old cards - cutting through the account number - before disposing of them.
- Open monthly statements promptly and compare them with your receipts. Report mistakes or discrepancies as soon as possible. Ideal CU will investigate errors reported to them within 60 days of the date your statement was mailed to you.
- Carry only those cards that you anticipate you'll need.
Tip: Plug the numbers from your credit and debit cards into your phone. When the cards are lost or stolen the number on the back of the card doesn't do much good.
Review Our Lost/Stolen Wallet Checklist