We take service to our members seriously and will do everything we can to ensure that action is taken – quickly – to help you avoid becoming a victim of identity or account theft.
- Will MACFCU ever call and ask for my Card number and PIN for any reason?
- No. MACFCU already has this information and would never ask for it for any reason. Phishers use any number of “stories” to lure you into complacency. One of the more devious tactics is to solicit information from you because your account has been “frozen” or “suspended.” Never give out your personal account information without first verifying the identity of the person calling. If you have any questions, hang up and call our regular number to verify that it is really MACFCU that is placing the call.
- Does MACFCU have a fraud department that will call and inquire about specific transactions on my Debit or ATM card?
- Yes. MACFCU has a special division called Card Member Security which will call and inquire about specific transactions that have been processed on your card if the transactions are suspicious. If the transactions are coming from a country or state that has never processed transactions against your card before, then your card may be temporarily blocked until those transactions can be verified. The number for Card Member Security is 800.682.6075 inside the US and Canada, and 206.352.3482 outside the US and Canada, or you may visit the site www.reportmycard.com. You can also call our regular number and we can verify transactions and unblock your card.
- What kind of internet protection is employed at MACFCU?
- Our IT systems are protected with state of the art equipment to prevent unauthorized access. All information entering and exiting the credit union is encrypted to a level above industry standard.
- Who can I contact if I have questions about the security of my information?
- You can call the credit union regular line at anytime during business hours and member services will direct you to the appropriate person; or you can email firstname.lastname@example.org and we will respond to your inquiry by the next business day.
As you are vigilant in a big city at night, so must you be vigilant in electronic spaces. Let’s face it. There are criminals out there that want to steal your money. To learn how you can thwart these thieves by being better informed, click here. In addition, MAC Federal Credit Union has instituted some transaction restrictions based on worldwide fraud trends. Please contact the credit union if you have any questions before or while traveling.
The following is a list of types of transactions that will be declined:
- Transactions for less than $0.99
- Transactions from an OFAC restricted country (such as Cuba and Iran)
- Transactions from merchants that only provide betting or gambling services
Fraud Management Company / Blocked Debit Card
If your debit card has stopped working and you are unable to get a hold of a member services representative, whether during or outside of business hours, please try calling our Fraud Management Company. Your debit card may have been blocked due to unusual or risky activity that we have discovered on your account. If all recent transactions can be verified as legitimate, then your debit card can be unblocked instantly.
- 800.682.6075 when calling from inside the US or Canada
- 206.352.3482 when calling from outside the US or Canada
Merchant Data Breaches
With so many merchant data breaches in the news, we want you to know that MAC Federal Credit Union is ready to help if your personal or financial data is ever compromised.
Your credit union is subject to strong data security standards established by Congress and federal regulators. While data breaches can happen anywhere, we are ready with a plan designed to ensure the safety and confidentiality of your sensitive data.
Unfortunately, merchants and retailers aren’t subject to these federal requirements.
Many merchants and retailers follow their own data security standards, but the recent rash of data breaches shows that much more needs to be done. When it comes to protecting your personal information, every measure counts.
When your debit or credit card data is breached at a retailer, the cost of card replacement or account reimbursement to you is typically paid by your credit union not by the merchant where the breach occurred.
We want you to know that in the event of any breach affecting your accounts, this credit union will always do what we can to make you whole. In the meantime, credit unions around the country are leading the effort to get Congress to pass legislation ensuring merchants and retailers meet a national standard for protecting any of your financial data they collect when you make a purchase. We hope you will support us in this effort.
While we can’t control what happens at merchants and retailers, we want you to know that MAC Federal Credit Union will do everything we can to assist you and your family if a breach does occur when you use your debit or credit card.