Debit & Credit FAQs
I’ve misplaced my debit card. How can I temporarily suspend my card from being used?
Login to Digital Banking and select "Card Services," then "Debit Card Controls," and turn off access to the cards you can’t locate. You can turn them back on when you relocate them and want to begin using again.
How do I report my debit card as lost or stolen?
Through Digital Banking, select "Card Services" and then "Debit Card Controls." Select "Card Details" for the lost or missing card, and then select "Report Lost or Stolen." You may also contact IMCU Member Services at 800.556.9268 as soon as you notice your card has been lost or stolen.
How do I report suspicious transactions or suspected fraud on my account or debit card?
Fraud On Your Account:
Contact Member Services at 800.556.9268 during business hours and file a dispute for the fraudulent charges. Outside of business hours, call and listen for the prompts to be directed to cancel your debit card to avoid additional fraudulent charges. Contact Member Services the next business day to file a dispute.
Received a Call From The IMCU Fraud Dept:
If you have received a call from the Fraud Department regarding fraudulent charges, return the call to verify transactions in order for standard use to resume. Fraud Services - 888.918.7313
If You Have Lost Your Debit Card:
If you have lost your debit card, login to Digital Banking and select "Card Services." Select the card you have lost and choose "Report Lost or Stolen." You may also contact Member Services at 800.556.9268. Outside of business hours, please call 866.541.2915.
PIN Concerns:
If you need to set or reset a PIN, contact 888.886.0083.
How do I activate my debit card?
A removable sticker will be on your new debit card when in arrives it the mail. Call the phone number on the sticker or 1.800.631.3197 to activate the card.
Is there a fee for using my debit card?
No, IMCU doesn’t charge fees for using your debit card, provided you have funds in your account to cover the transaction.
What does EMV Chip Card mean?
EMV Chip cards provide an extra layer of protection, with information programmed into a chip within the debit card. The information is personalized for your account and each transaction is unique, adding a new safeguard against fraud.
How do I get a replacement debit card?
You can visit any IMCU Branch and have a replacement debit card printed instantly. In addition, you can call Member Services at 800.556.9268 to have one mailed to you.
How do I set my PIN on the Visa® debit card?
You can set your PIN while activating your card using the activation number included with your Visa® debit card, or call 1.888.886.0083.
What are the benefits of having a Visa® card?
Benefits:
- Roadside Dispatch: 24-hour access to roadside assistance.
- Auto Rental Collision Damage Waiver: Covers damage, theft and towing.
- Travel Accident: Provides accidental death and dismemberment coverage.
- Porch Piracy Protection (consumer products only): Reimburses if an eligible item is stolen.
- International Travel: Uses continues.
These additional Visa® benefits are available when purchases are made with your IMCU Visa® Debit Card.
How do I set up digital wallet?
Visit your phone's digital wallet to begin. Below are the common steps for Apple and Samsung Devices.
Apple Devices (iOS)
The new Tap to Add Card feature simplifies the process of adding your Visa card to your Apple Wallet and reduces the risk of fraud from data theft and phishing. Members can tap their Visa card on the back of their iPhone to seamlessly add it to their Apple Wallet.
- Open your Apple Wallet and select “Add to Wallet.”
- Hold the chip of the card near the phone and follow the prompts.
- Process complete and ready to use.
Samsung Devices
- Navigate to and open Samsung Wallet on your phone.
- Tap the "All" tab, and then tap "Payment" cards.
- If this is your first time adding a card, tap "Add credit or debit card." If you have existing cards, tap the "+" in the upper right corner, and then tap "Add credit or debit card."
- Follow the prompts.
- Process complete and ready to use.
How do I activate a new IMCU credit card?
Call the phone number on the sticker or 1.800.631.3197 from the primary phone number on your account. Be prepared to answer a few security questions based on the primary card holder's information.
How can I make a payment on my credit card from my account or an external account?
You can make credit card payments easily through Digital Banking or by calling Member Services at 800.556.9268. You can set up one-time or recurring payments using your internal IMCU accounts or by linking an external account.
How do I access my IMCU credit card information?
You have access to your credit card history when you log in to Digital Banking and select the respective credit card, then choose "Card Services."
How do I create a new pin?
To create a new PIN for your new card, call 888.886.0083.
What is the address to pay my credit card bill?
Indiana Members Credit Union
P.O. Box 37603
P.O. Box 37603
Philadelphia, PA 19101-0603
What is the Installment Payments program?
The Installment Payments program lets the consumer credit cardholder pay off eligible purchases over a set period of time with a fixed APR and fixed monthly payments. Learn more!
How do I access my rewards on my credit card?
If you have a Visa Platinum Rewards or Visa Signature card, you can access and manage your rewards points directly through Digital Banking. Navigate to Card Services - Redeem Rewards under the respective credit card.
Do your cards have "tap to pay"?
Yes, our cards support "tap to pay" functionality. This is a secure method of payment that reduces the risk of fraud from data theft and phishing. Additionally, you can add your cards to digital wallets (like Apple Wallet) for increased convenience and security.
