The first eight digits on our card are fixed depending on the type of card you have (Darden, Affinity or standard USF FCU debit card). However, each time a card is replaced, the last eight digits are changed. If you continue to experience fraud on your account regularly, please note any spending patterns or particular merchants that you use frequently. Additionally, if you are entering your card information online, your computer could potentially have a virus that is taking personal data.

Prior to contacting the credit union, you must reach out to the merchant to see if they are willing to assist you or provide a refund. If the merchant is unwilling to help or suggests that you dispute the charge with your financial institution, please contact our member service representatives and they will be able to assist you further. If it is more convenient, you may also stop by any of our branch locations.

Please immediately reach out to our member service representatives at 877.906.9328 to go over your recent transactions and assist you further. If it is determined that your card has been compromised; we will block your current debit card, issue a new one, and email/fax you the fraud paperwork to complete. Once you complete and submit the fraud forms, our card services department will provide you with provisional credit within 10 days.

Additional fraud tips:

• Be careful using your debit card at gas pumps, vending machines and in isolated locations since there is a greater likelihood of “skimmers” that steal your card information. Also, use caution when entering in your card information online, especially within unfamiliar websites.
• Set up balance change/transaction alerts through our mobile app. so any activity will show up as a text message. This will allow you to take action more quickly and prevent additional losses in lieu of waiting for a bank statement or looking at your transactions online.

Phishing is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a website where they are asked to update personal information, such as passwords and credit card, social security, and account numbers that the legitimate organization already has. The website, however, is bogus and set up only to steal the user’s information.

Vishing is the telephone equivalent of phishing. Vishing is the act of using the telephone in an attempt to scam the user into surrendering private information that will be used for identity theft. The scammer usually pretends to be a legitimate business, and fools the victim into thinking he or she will profit.

The number to contact member card security is: 1 (888) 241-2440. If they notice suspicious charges on your debit card, a representative will attempt to contact you and temporarily block your card until they verify the charges in question. If you do not recognize the charges and fraud has occurred, they will transfer you to our member service department for further assistance. If there is no fraud, they will unblock your card.

If you feel you have been a victim of identity theft, contact the FTC’s Identity Theft Hotline toll-free at 1.877.IDTHEFT (438.4338) or report it online at identitytheft.gov, Please contact us immediately to prevent potential fraudulent activity in your Credit Union accounts.

Please contact us immediately to block and reissue any debit or credit cards to prevent potential fraudulent activity.

During business hours please call us at 813.569.2000 or 800.763.2005

After business hours please call the following:

Lost/Stolen Debit or ATM Card 888.241.2510

Lost/Stolen Credit Card 800.449.7728