Debit Card Security

Express Check Cards (debit cards) are a remarkable convenience that is being used by more and more people today. As with credit cards, criminals have found ways to victimize people who use them. We do not want you to become their next victim.


Safety at the ATM


Protecting your Check Card and your account


Check Cards can be used three ways – for purchases at most merchants that accept Visa cards, for purchases through electronic Point-of-Sale (POS) terminals, and at an ATM. That means you should take the same precautions as you would for a BIFCU Visa Credit Card...

If you detect fraud or lose your card


If you detect loss, theft, or unauthorized use on your BIFCU Express Check Card, report it immediately by calling 800/472-3272. The faster you report it, the faster we can shut off the card number, stop the losses, and order you a replacement card(s).  See the Federal Trade Commission Facts for Consumers - Credit, ATM and Debit Cards: What To Do If They're Lost or Stolen at for more detailed information.


For disputed transaction amounts or problems with merchants, the procedure is different. For these, you would notify us in writing as soon as possible.  There is also information on handling card disputes contained with your statement every month.


Security measures BIFCU takes


At BIFCU, we use every tool available to keep your Express Check Card and the accounts it can access secure. Here are just some of the measures we take...