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Credit Card Fraud Prevention and Security

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  • We have increased our VISA® fraud security to better serve you!

    Credit and debit card fraud impacts all of our members, primarily because the credit union has to absorb the losses incurred, which, in turn, affects what we pay our members in interest on deposits and charge on loan rates and fees. Additionally, it creates inconveniences for you, our member-owner.

    In an effort to help protect you and your VISA® debit and credit cards from fraud, Truliant has placed stricter measures on them, and we ask for your assistance to further minimize these risks. With your help, we can better control card losses and provide better value to our member-owners.

    What can you do to help protect yourself?

    • Make sure we always have your most current contact information, including your cell phone number and email address, so that we can easily reach you if potential fraud were to occur on your card.
    • Call us or log into Online Banking and choose "Additional Services" if you will be traveling out of state, internationally or outside of your normal usage area to submit a Travel Notification. This will ensure your transactions will be processed during your travel.
    • Contact us immediately if you believe your VISA® credit or debit card, ATM Card or PIN has been lost, stolen or compromised.
    • Regularly review your statement(s) or online banking account for unauthorized transactions and contact us immediately if you discover fraudulent activity.
    • Sign up for Suspicious Activity Text Alerts. Its an easy and portable way to keep track of any transactions in your account.

    Truliant's VISA® Fraud Prevention Services

    Truliant's VISA® debit and credit cards are monitored 7 days a week, 24 hours a day for fraud detection. If you have signed up for our Suspicious Activity Text Alerts you may receive a text message asking you to confirm a possible fraudulent transaction.  

    You may be contacted by our Voice Response Unit (VRU) or a live representative between the hours of 8 a.m. and 9 p.m. to verify that your transactions are valid. If you are unavailable, a message will be left for you to call 800.822.0382 (toll free) and say "lost or stolen cards". If we do not hear from you, we may block your card at our discretion due to protect you against any potential fraud. This block is a proactive effort to prevent unauthorized card use. If you experience a block or a decline, immediately call 800.822.0382 for assistance.

    Upon receiving a call from our fraud specialist, you will be asked for the following information to verify that you are the card holder:

    • Your 5 digit zip code, and
    • The last four digits of your Social Security number.
    At no time during the call will you be prompted to give your card number, PIN, expiration date, security code, full social security number, or member account number. Please do not give this information out to anyone. Our VISA® Fraud specialist will never ask for this information.

    If the charges are valid, you may continue to use your card. If the charges are not valid, your card will be blocked to prevent any further fraudulent activity. You will then need to contact Truliant directly to report the fraud and order a replacement card.

    At times, some transactions may be restricted:

    In effort to try and combat fraudulent activity, Truliant may from time to time limit certain types of transactions. If your card is declined at the point of purchase, please immediately call the phone number on the back of your Truliant VISA® credit or debit card. Upon verifying your identity, we may then enable the transaction for your convenience.

    If you suspect fraud, if your card has been lost or stolen, or if you are experiencing difficulty using your card, call Truliant at 800.822.0382 (toll free) and say "lost or stolen cards." After business hours, listen to the automated menu. Prompts will be given to report a lost or stolen card and to reach Fraud Prevention Services.

    Compromised Cards:

    Occasionally we receive notification of a data breach that occurred at a merchant or a merchant’s transaction processor where credit and debit card data may have been compromised. Truliant may reissue and block these compromised cards and contact the cardholder by phone or letter. A new card with a new card number will be issued and mailed to the member containing the same PIN, if that information was not compromised as well. Once the cardholder receives their new card, they may activate their card and continue to use the same PIN or visit any Truliant location to have their card repinned to a selection of their choosing.

    It is always important to have your most current contact information on record with Truliant, including your cell phone number and email address. We may be unable to contact you about a suspicious charge if we don’t have your current contact information.

  • 6/26/17 - Kmart Data Breach

    Arby's Data Breach InformationVisa Risk Management Fraud Protection Services has notified Truliant that Kmart stores incurred a security breach from September 3, 2016 to April 30, 2017.  In a statement on its web site, Kmart stated that based on its forensic investigation, no personally identifying information (including names, addresses, social security numbers, and/or email addresses) were obtained by those responsible. However, Kmart does believe that certain credit card numbers have been compromised. They suggest that customers carefully review and monitor their debit and credit card account statements.

    Not all Kmart customers were affected. Truliant members with impacted debit and credit cards will be notified by mail.

    If you receive any notification(s) from Truliant specific to this breach, please have your card reissued at your earliest convenience by visiting your local Member Financial Center or by calling our dedicated card reissue line: 855.448.2897.