Lost or Stolen Card

Put a freeze on your card anytime

You can log in to Digital Banking anytime to block your cards or order replacements whenever they're misplaced or compromised. It’s a secure and convenient way to take care of things immediately. And when you find a misplaced card, it's just as easy to unblock it and start using it again.

For Ideal Credit Union Visa Credit Cards

Call us at 866-820-4872 and report your card lost, stolen or compromised. An agent can assist with:

Blocking your card
Ordering replacement card

For Ideal Credit Union Debit Cards

Call us at 651-770-7000 and select the debit card prompt. An agent can assist with:

Lost or stolen and replacement cards
Declined transactions and more

On a trip? Keep these numbers handy.

When you're away from home, you can contact the Visa Assistance Center from anywhere in the world to report your lost or stolen card.

Domestic: 800-VISA-911
International: (Collect) 303-967-1096

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.

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 us immediately.

Protecting Your Cards

To protect against card fraud, know where your cards are at all times and keep them secure. If a card includes a Personal Identification Number (PIN), keep that number a secret and memorize it. Don't use your address, birth date, phone or Social Security number as the PIN.

Helpful Tips

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: Add the numbers from your credit and debit cards to your phone. When the cards are lost or stolen, the number on the back of the card doesn't do much good.