Lost/Stolen Card

Account Management

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

  • Business hours call 651-770-7000
  • After hours call 1-800-535-8440

 For Ideal Credit Union Visa Credit Cards

  • For 24 hour cardholder service call 866-820-4872

To obtain assistance while travelling, 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?

Your maximum liability under federal law for unauthorized use of your credit card is $50. If you report the loss before your credit cards are used, federal regulation says the card issuer cannot hold you responsible for any unauthorized charges. If a thief uses your cards before you report them missing, the most you will owe for unauthorized charges is $50 per card. Also, if the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use.

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 ATM, 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

2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed