Zero Liability Protection

Your UMe Visa card protects you from unauthorized transactions. Enjoy peace of mind as you shop, travel, or dine out.

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Say goodbye to being responsible for fraudulent charges with Visa Zero Liability.

It’s no secret that UMe Credit Union doubles as Fraud Busters! You can rest easy knowing we’re working hard to get your money back in your account ASAP—faster than you can say S.O.S.!

3 Great Reasons to Get Excited

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Peace of Mind

Shop worry-free when you use your Visa card to make purchases. Visa Zero Liability is like your financial bodyguard. You can shop confidently, knowing we’ll promptly handle any unauthorized charges.

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We’ve Got Your Back

Review your monthly statement often and report any suspicious or unauthorized charges as soon as you see them. This allows us to get to work and resolve the issue quickly.

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Quick Resolution

We immediately spring into action the second you report an authorized transaction covered by Visa’s Zero Liability Policy*. We will investigate and provide provisional credit quickly.

Essential Zero Liability Protection Details

Feel secure with every swipe or click, thanks to the Visa Essential Zero Liability feature. This service ensures you won’t be held responsible for unauthorized charges on your account.

Here’s how it works: Use your Visa credit or debit card as you would normally—shop online, buy groceries, or go on vacation.

If you spot something unusual on your statement, report it immediately. We’ll work to get your money refunded as quickly as possible and secure your account.

Key features and benefits:

  • Universal Protection: Use your Visa card anywhere with the assurance that it always protects against unauthorized use.
  • Prompt Reporting: Report unrecognized charges on your account immediately for swift handling.
  • Quick Resolution: We act fast on reported issues to secure your account and correct unauthorized transactions.
  • Comprehensive Security: Your Visa card offers multiple security features for online purchases and in-store transactions.
  • Vigilant Account Monitoring: Our team constantly watches your account for unusual or suspicious activity.
  • Proactive Fraud Prevention: We use strong measures to stop unauthorized access and update our security.
  • Dedicated Support Access: Contact our support team whenever you need help or have questions

Take the first step towards protecting your account by signing up today.

Zero Fraud Liability Protection FAQs

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.

Visa’s Zero Liability Policy covers any unauthorized signature-based transaction made with your UMe Visa debit or credit card.

You can report all unauthorized charges through our mobile app or by contacting our customer service team. We immediately investigate and work to resolve the issue to ensure your account security.

If you suspect your credit card details are at risk (e.g., potential identity theft), please notify us immediately. We will guide you on securing your account and we’ll also take the required actions to safeguard the account from further unauthorized charges.

Yes. The Visa Zero Liability coverage still protects your account even if you lose your physical card. However, it’s important to inform us as soon as you realize your card is missing because this allows us to take quick action to prevent unauthorized use and safeguard your card or account information.

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*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.