Credit Cards Details

My credit card was lost or stolen. Who do I call?

If your credit card has been lost or stolen, or your credit card account has been compromised in any way call the Fraud Department immediately at 844-848-0248.

What happens after that?

Your credit card account will immediately be blocked to stop any potential fraudulent use of your account. That also means you will no longer be able to use your account. A new number will be issued along with a new card. You must notify any merchant you have pre-authorizations with.

I forgot my PIN. What can I do?

MembersOwn Credit Union does not have access to your PIN. You may call 844-848-0248 and create a new PIN number.  In the meantime, you will not be able to do PIN-based transactions. Please keep your PIN secret and do not write it on your card. Never put your PIN with your card.

I am going on vacation. Do I need to contact anyone?

‘Unusual’ use of your card (for example, buying a HD TV in Texas when you live in Nebraska) could flag your account as potential fraud. For your protection, you may receive a call verifying the use of your card. To make sure you have uninterrupted use of your card, notify MembersOwn at 800-588-5365 of your vacation plans.

Are there any credit card fees to keep in mind?

There are no annual fees, over-limit fees or balance transfer fees. However, there is a $25 fee for late payments.

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