Zero Liability

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.