Zero Liability

You can say goodbye to responsibility for fraudulent charges with Visa Zero Liability.

Apply now

Here at UMe Credit Union, it’s no secret that we double as Fraud Busters! You can rest easy knowing we will be on the case to get your money back in your account ASAP, just as fast as when you SOS for help.

The Details

Credit Cards class="wrapper">

Peace of mind

Shop worry-free when you use your Visa card to make purchases. Visa Zero Liability is kind of like your financial bodyguard. You can shop with ease knowing that any unauthorized charges made on you account will be handled.

Alerts class="wrapper">

Be account aware

Review your monthly statement often — and immediately report any unauthorized charges to us so we can get to work.

Get a loan class="wrapper">

Get a quick resolution

Once an unauthorized transaction, covered by Visa’s Zero Liability Policy*, is reported, we will investigate and provide provisional credit quickly.


You can use your card to shop with confidence. That’s because Visa and our UMe Fraud Busters protect your card information 24/7, and you won’t be held liable for unauthorized purchases made with your card or account information.

Review your account and statements frequently and report fraudulent charges. Take the time to look at your account and monthly Visa statement. Let us know as soon as possible if anything appears incorrect, so we can take swift action to regain control of your account and resolve the situation for you.

Count on quick resolution and provisional credit if your card is lost or stolen.* If your account is compromised, it is our mission to set things right without further aggravation or inconvenience to you. We follow Visa’s policy and extend provisional credit for losses from unauthorized card use within 5 business days of notification of the loss.

You will not be held responsible for the purchase as long as it meets all requirements for Visa Zero Liability protection. After you report the unauthorized transaction, the rest is in our hands. Also, once you report your card stolen, according to federal law, you cannot be held liable for charges occurring after your report.

Visa’s Zero Liability Policy covers any unauthorized signature-based transaction made with your UMe Visa debit or credit card. Report the fraudulent charge, and you will receive a provisional credit in your account.

Any unauthorized signature-based transaction made with your UMe Visa debit or credit card is covered by Visa’s Zero Liability Policy.

Get Started

Visit us
Get Directions
Apply for a Credit Card
Apply now
Call us


*Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use. The transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please call us.

This UMe Emu Chat session may be monitored and/or recorded for training, quality assurance, analytics and other lawful purposes by UMe and its business partners, including the service provider that helps provide this Chat feature. By clicking ‘Accept’ you consent to such monitoring and recording. Please refer to our Privacy Policy, which provides additional information about how we protect, use and share your information when you visit our website.