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MICU Fraud Protection

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At Mid-Illini, we appreciate our members. We’ve added an extra layer of fraud protection for your MICU VISA Rewards Debit Card and for your MICU Classic or MICU Platinum VISA credit cards.

This fraud detection system monitors your card activity to help identify and prevent fraudulent transactions on your account.

Here’s how it works for your MICU VISA Credit Cards:

If a questionable transaction is detected on your MICU VISA Credit Card account, an analyst from VISA Card Services will contact you on behalf of Mid-Illini Credit Union to verify the transaction. You will be asked to verify information. To do this the analyst will give partial information regarding your identity and address and ask you to provide the rest to verify who you are.

For example, the analyst may ask if your current address is on Main Street in Bloomington, Illinois, and then, with a positive response, ask you to verify your house number and zip code.

If you suspect fraudulent activity on your credit card, you can proactively contact Card Services for real-time service at 866.543.6313.


Here’s how it works for you MICU VISA Rewards Debit Card:

If a questionable transaction is detected on your MICU VISA Rewards Debit Card account, an analyst from the Mid-Illini Credit Union Card Processing Center will contact you, and you will be asked to verify information. To do this the analyst will give partial information regarding your identity and address and ask you to provide the rest to verify who you are.

For example, the analyst may ask if your current address is on Main Street in Bloomington, Illinois, and then, with a positive response, ask you to verify your house number and zip code.

If you suspect fraudulent activity on your debit card, you can proactively contact the  MICU Card Processing Center at 800.262.2024.

What if potentially fraudulent activity is detected?

The transaction may be declined or you may receive a telephone call or letter requesting verification of purchases. If the transaction was fraudulent, your card will be blocked and a new card issued immediately. If you are contacted by one of these fraud protection services, they are calling to verify transactions for your protection so that your MICU card will remain secure.

For example…

Abby, a teacher, makes occasional, small purchases with her credit card in Central Illinois. She would have a different purchasing pattern than Steve, a computer company vice president who always uses his credit card for business trips around the world. If a $3,000 purchase is made in Singapore on both accounts, the teacher’s account is more likely to be examined.

If the fraud protection service team calls me, what will they ask?

The service center analyst will verify your identity and question one or more transactions for validity. They will not ask you for your credit, ATM or debit card number.

 
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