Debit & Credit FAQ
If you know you’ve had fraud on your account, you may be able to dispute a transaction in digital banking. Login to Digital Banking, navigate to your transaction in question and select the 3 dots to the right. If the option of Dispute Transaction appears, you can select that option and complete the request.
You may also contact Member Services during business hours and file a dispute for the fraudulent charges. Outside of business hours, call 800.556.9268 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. Member Services – 800.556.9268
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 chose 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 866.985.2273
Will I have the same card number on my Visa® Debit Card that I had on my MasterCard® Debit Card?
Yes, the image will not change.
- Before August 27: The card will be mailed to the address we have on file. If that address is incorrect, the card will be returned to the credit union and sent to the originating branch for your account. Your account will be noted when the card is available at the branch.
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On or after August 27: If the originally mailed card is not available, the branch can create a new card for you.
Now that I have received a replacement Visa® debit card, what do I do with my Mastercard®?
Continue using your Mastercard® through August 26. Beginning August 27, you will need to destroy your Mastercard® debit card, as it will no longer work. On August 27, you should activate and begin using your new Visa® Debit Card.
You can set your PIN while activating your card using the activation number included with your Visa® Debit Card.
I am out of town and it is on or after August 27. My Mastercard® Debit Card has stopped working, what should I do?
Your physical Visa® Debit Card was mailed to you in early August. You also have a digital Visa® Debit Card available in your IMCU app. You can add this card to your digital wallet and begin using it immediately for contactless transactions. See “How do I add my card to my digital wallet for instructions.”
Am I getting a new Visa® Credit Card?
If you have a Mastercard® Credit Card, more information will come later this year regarding the upgrade to a Visa® Credit Card.