Member-owned

Zero Liability has you covered

It’s simple. Shop online and off with absolutely no risk. Visa’s Zero Liability has you covered.

  • Worry-free shopping
  • Ultimate security
  • Complete fraud protection

Visa’s Zero Liability policy means 100 percent protection for you. Visa’s enhanced policy guarantees maximum protection against fraud. You now have complete liability protection for all of your card transactions that take place on the Visa system.

If you notice fraudulent activity on your card, promptly contact your credit union to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions.**

The Zero Liability policy covers all Visa credit and debit card transactions processed over the Visa network—online or off. The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.

For transactions on other networks, the liability decision is left to the financial institution that issued your card. The issuer has the option of extending the same protections afforded by Visa's Zero Liability policy.

You’re protected with Visa

Regardless of where you shop, enjoy the comfort of knowing you’re protected with Visa.

*Covers U.S. issued cards only. Visa’s Zero Liability Policy does not apply to commercial credit card, or ATM transactions, or PIN transactions not processed by Visa. Notify your financial institution immediately of any fraudulent use.

**Cardholders should always regularly check their monthly statements for transaction accuracy. Financial institutions may impose greater liability on the cardholder if the financial institution reasonably determines that the unauthorized transaction was caused by the gross negligence or fraudulent action of the cardholder—which may include your delay for an unreasonable time in reporting unauthorized transactions.

NCUAEqual Housing Lender

NCUA — Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender — We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.