Card Services

Get the most from your SECU credit or debit cards

Whether it’s instant use of a new card, or reporting potential fraud, we offer SECU members a range of helpful and convenient credit and debit card services.

Digital card issuance

Digital card issuance lets you use your new card immediately, without waiting for a physical card to arrive.

  • When you order a new debit or credit card, we will send you a text message with a secure link and instructions on how to activate your digital card.
  • Use that link, or Card Management in online/mobile banking, to add your digital card to Apple Pay or Google Pay.
  • You can then immediately use the digital card for tap-to-pay, online, or phone purchases.
  • Your digital card will automatically update when you activate your physical card.
  • See full digital card terms and conditions here.

24/7 Visa® credit and debit card services

  • For full credit card service, please call 800-344-6501. Full credit card service is available 24/7, 365 days a year.
  • For emergency credit card service from outside the US, please see the Visa® Global Assistance toll free directory (opens in new window).
  • For full debit card service, please call 410-487-7328 or 800-879-7328. Full debit card service is available M-F, 8am-7pm, Sat. 9am-1pm.

After-hours debit cards services

Limited debit card service is available outside of regular business hours, including holidays, by calling 410-487-7328 or 800-879-7328. These after-hours services include:

  • Lost or stolen cards
  • Card activation
  • Temporary blocks
  • Real-time declines due to fraud alerts
  • NSF declines
  • Address verification

Debit card fraud and disputes

Credit card fraud and disputes

  • If you suspect fraudulent activity on your SECU Visa® credit card, please call 800-344-6501 immediately.
  • For merchant claims regarding your Visa® credit card, please call 800-344-6501.

Visa debit and credit alerts and controls

Cardholders can register to receive Visa purchase alerts through mobile or online banking. Once enrolled, cardholders can establish specific alert triggers. Anytime a qualified Visa transaction takes place that meets your defined parameters, you will receive an alert in seconds via SMS text message.

Alerts and controls can include:

  • Reaching a purchase amount threshold
  • International purchases
  • Purchases made on the internet or over the phone
  • Setting spending limits
  • Turning your card on and off
  • Viewing spending insights
  • Adding a travel notification
  • Managing your PIN

3D Secure code one-time passcode terms and conditions for online transactions

Please read these terms and conditions carefully and make sure you have fully understood before using this service. By using this service after you have read these Terms and Conditions shall mean that you have accepted such Terms and Conditions.

  1. When making an online transaction that requires OTP, the OTP will be sent to your mobile phone number already registered with SECU Credit Union via SMS. You must then enter your OTP to complete your transaction on the page of your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the online merchant will reject your card for this transaction. You agree that SECU Credit Union is not responsible for the rejection by such merchant to accept your card payments on the basis of this.
  2. By using this OTP service:
    1. You agree to provide your data required for the transaction authorization process in the use of this OTP service.
    2. You agree to keep the confidentiality of your card number or personal information that you have entered to this service. If you let someone else use your passcode, you will be responsible for all claims, losses, and other consequences relating to all transactions that have taken place using this service.
    3. You understand that OTP service can be used only for transactions at the merchants online that have 3D Secure.
    4. You agree that SECU Credit Union is not liable for losses arising from your failure to comply with these Terms and Conditions.
    5. You understand that messages and data rates may apply for using this service.