REPORT LOST OR STOLEN CARDS IMMEDIATELY!

Call your Local LCU branch during normal business hours. If it is after business hours, on a weekend, or holiday call:

Debit Cards: 1-866-564-9487
Consumer Credit Cards: 1-866-564-9487
Business Credit Cards: 1-866-564-9487

When calling you need to provide:

• Your card number
• Birthday of primary cardholder
• SSN of primary cardholder

Cardholders traveling in foreign countries can report their Visa® cards lost/stolen and request emergency services by using the Visa Global Customer Assistance Center. 

• Report lost or stolen cards immediately.
• Sign your card on the signature panel as soon as you receive it.
• Protect your cards as if they were cash.
• Don’t leave your cards in the glove compartment of your car. An alarmingly high proportion of all card thefts occur in glove compartments.
• Never write down your PIN — memorize it. Also, never use your PIN as a password.
• Ensure that you get your card back after every purchase.
• Make a record of your card account numbers and telephone numbers for reporting lost or stolen cards. Keep that list in a safe place.
• Always check your billing statement and verify the amounts of your purchases.
• Never disclose your PIN to anyone. No one from a financial institution, the police, or a merchant should ask for your PIN.

To dispute charges on your debit card, please call: 866-564-9487

To dispute charges on your Visa® credit card, please call: 866-564-9487

Same-day ACH took effect on September 15, 2017.

What is same-day ACH?

ACH transactions are the electronic payments clearing an account. Most people have these transactions, whether its mortgage or rent payments, bill-pay items, or paper checks converted to an electronic approval at a local store. ACH, which stands for Automated Clearing House, is governed by the National Automated Clearing House Association (NACHA), and they have adopted new rules governing when transactions can clear accounts. Historically, ACH transactions post to a member’s account the day following the authorization, creating a one-to-two-day float. However, under the new framework this delay (or float) in transactions posting to a member’s account no longer exists; and once authorized, a transaction can post immediately.

What do I need to do?

If you have automated payments set to debit your account, whether it is through bill-pay or another source, review your agreement with the service provider and verify the timing of the effective date to ensure you know when these payments are to clear your account.

Ensure the funds are in your account to cover any payment authorizations, rather than relying on the historic one-day float for direct or night drop deposits, or check hold releases that could post the following day.

What does this mean for me?

Transactions will clear your account sooner than they had historically. If there are insufficient funds to cover these transactions, overdraft fees will result (see Fee Schedule for details).

The time available for you to request a stop payment will be much shorter. Depending on the circumstances, a Written Statement of Unauthorized Debit will have to be completed and signed in its place. This will substantially increase the time to recover funds from unauthorized or disputed debit transactions.

Thank you for your continued loyalty to Latah Credit Union.