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Protect Your Credit & Debit Card
There are a few services available online to help protect your online purchases using your credit or debit card. While not all merchants use these features, it is still beneficial for the sites that do.
In addition to these services, we also provide the eNFACT Security Feature for our members with debit cards. Learn more about eNFACT.
Our credit card program offers an enhanced security feature known as Fraud Alert Management previously referred to as Falcon. FAM is a neural network set up though our credit card processor, FIS, that tracks unusual activity on a cardholders account and evaluates levels of risk scores on transactions. The higher it is "scored" the higher the risk.
How does it work?
There are two verification processes used to notify cardholders of suspected unusual activity. Contact is made through an automated service to verify activity or a live operator. You will never be asked to verify your credit card account number however the last four of a cardholder Social Security number are asked to verify that FIS is speaking with the cardholder. You may be asked to enter a "CaseNumber" if responding to a voice message left by Fraud Alert Management. Calls to cardholders are placed between the hours of 8:00 A.M. and 9:00 P.M. and Fraud Alert Management team is available 7 days a week 24 hours a day. Accounts are continually monitored 24 hours a day 7 days a week.
IVR number - 1.800.437.9392
Outside Canada/US-(collect) 727.227.2447 - only used to verify information requested from Fraud Alert Management.
**NOTE** If members are traveling and using their credit card or debit card we encourage the member to submit a Travel Notification Form by contacting our Member Information Center or the Customer Service number located on the back of the member's card to notate this on their account in order to avoid the inconvenience of a block being placed do to unusual activity. For more information on preparing to travel; please visit our Travel Information page.
