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Credit Cards Details

My credit card was lost or stolen. Who do I call?
Call us immediately if you believe your card has been lost or stolen, or your credit card account has been compromised in any way at 888-247-8204 in Beatrice, 800-588-5365 in Lincoln or call the Fraud department at 800-543-5073. When calling FIS, you must have your 16-digit card number, the expiration date and you may need your 3 digit security code on the back. Reminder to keep this contact information separate from your card and available for this purpose.

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. We will notify you of the new number upon request, or you may wait for the card to come in the mail. 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 us and we will order a new PIN for you. It will come to you in the mail under the same process when you opened your account. 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. To protect you, FIS may call your home number to verify the use. To make sure you have uninterrupted use of your card, notify MembersOwn at 888-247-8204 in Beatrice or 800-588-5365 in Lincoln 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 $20 fee for late payments and a $25 fee if your check payment is returned.

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Coming soon, new website and account login process. In the near future, you will be prompted to change your account number and PIN to a username and password upon login.
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