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TDECU Member Security Program

Learn how TDECU protects our Members

At TDECU, we use world-class security systems to detect and prevent fraudulent activity. Learn more about the tools we use to deliver stronger layers of security.

Automated alerts for suspicious card activity

TDECU partners with Falcon Fraud to provide added security to all your TDECU debit card transactions. With Falcon Fraud Protection, fraudulent activity can be stopped before you become aware of it.

If suspicious activity occurs on your account, Falcon Fraud will immediately contact you to verify the suspicious charge. As an added security measure, Falcon Fraud greatly reduces your risk of becoming a victim of identity theft and debit card fraud.

If a transaction falls outside your normal spending patterns, Falcon Fraud will contact you one of two ways:

  1. If you have a mobile phone number on file with us, Falcon will send you fraud alerts via text message.1

  2. If you do not have a mobile phone number on file with us, Falcon will call you at the home phone number associated with your account.

If you need to update your contact information, please log in to TDECU Digital Banking and access the “Profile” option. You can also call us at (800) 839-1154 or visit your nearest TDECU Member Center. 

Once you inform Falcon Fraud the transaction in question is unauthorized, we will immediately block your card. You will then need to contact TDECU so we can help with next steps, including the dispute process and options for issuing you a new debit card.

Please note that Falcon Fraud will verify your identity but will never ask you for your full debit card number, expiration date, or the security code on the back of your card.

Learn more about how Falcon Fraud Alerts work

Enrollment

Text message alerts:
All TDECU debit cardholders are automatically enrolled into Falcon Fraud Alerts.

If you have a mobile phone number on file with us, Falcon Fraud will send you alerts via text message.1

To add a mobile phone number or update your contact information, you can:


Voice call alerts:
If you do not have a cell phone number on file, Falcon Fraud will call you at the home phone number associated with your account.

Notifications received from

Text message alerts: 32874

Voice call alerts: (800) 839-1154

First notification

Text message alerts:
Falcon Fraud will send a text message to the cell phone number we have on file. The text message will provide the following information:

  • The last 4 digits of the card number used
  • The amount of the transaction
  • The name of the merchant making the charge
  • Reply options

Reply YES if the transaction is authorized or reply NO if it is unauthorized. You will also have the option to opt out of alerts by replying STOP.


Voice call alerts:
Falcon Fraud will call and first authenticate your identity. Please remember that the Falcon Fraud representative will not ask for complete information, such as your full Social Security number or full card number.

You will then have the option to indicate if the transaction in question is authorized or unauthorized.

If the transaction is unauthorized

Text message alerts:
If you reply NO, indicating the transaction is unauthorized, a Falcon Fraud representative will call you to confirm your reply. Once confirmed, we will automatically block your card to prevent any additional fraudulent activity.


Voice call alerts:
If you confirm the transaction is unauthorized, your card will be blocked and you can contact us for next steps. You can call us at (800) 839-1154 or visit your nearest Member Center.

If the transaction is authorized

Text message alerts:
If you reply YES, indicating the transaction is authorized, you will receive a second text message thanking you for confirming the activity and letting you know your account is safe for continued use. Your card will remain active and no further action is required.


Voice call alerts:
Your card will remain active and no further action is required.

If you do not respond Falcon Fraud’s initial contact attempt

Text message alerts:
If you do not respond to the initial Falcon Fraud text message, they will send a second text followed by a voice call to the cell phone number on file in an attempt to reach you.


Voice call alerts:
If you miss the call from Falcon Fraud, the representative will leave a message that includes a case number and a phone number to call and verify the transaction. You can also contact TDECU during normal business hours to review.

Learn more about how Falcon Fraud Alerts work

  Text Message Alerts Voice call alerts
Enrollment

All TDECU debit cardholders are automatically enrolled into Falcon Fraud Alerts.

If you have a mobile phone number on file with us, Falcon Fraud will send you alerts via text message.1

To add a mobile phone number or update your contact information, you can:

If you do not have a cell phone number on file, Falcon Fraud will call you at the home phone number associated with your account.
Notifications received from 32874 (800) 839-1154
First notification

Falcon Fraud will send a text message to the cell phone number we have on file. The text message will provide the following information:

  • The last 4 digits of the card number used
  • The amount of the transaction
  • The name of the merchant making the charge
  • Reply options

Reply YES if the transaction is authorized or reply NO if it is unauthorized. You will also have the option to opt out of alerts by replying STOP.

Falcon Fraud will call and first authenticate your identity. Please remember that the Falcon Fraud representative will not ask for complete information, such as your full Social Security number or full card number.

You will then have the option to indicate if the transaction in question is authorized or unauthorized.

If the transaction is unauthorized If you reply NO, indicating the transaction is unauthorized, a Falcon Fraud representative will call you to confirm your reply. Once confirmed, we will automatically block your card to prevent any additional fraudulent activity. If you confirm the transaction is unauthorized, your card will be blocked and you can contact us for next steps. You can call us at (800) 839-1154 or visit your nearest Member Center.
If the transaction is authorized If you reply YES, indicating the transaction is authorized, you will receive a second text message thanking you for confirming the activity and letting you know your account is safe for continued use. Your card will remain active and no further action is required. Your card will remain active and no further action is required.
If you do not respond Falcon Fraud’s initial contact attempt If you do not respond to the initial Falcon Fraud text message, they will send a second text followed by a voice call to the cell phone number on file in an attempt to reach you. If you miss the call from Falcon Fraud, the representative will leave a message that includes a case number and a phone number to call and verify the transaction. You can also contact TDECU during normal business hours to review.

Falcon Fraud Protection Frequently Asked Questions

Do I have to sign up for Falcon Fraud Protection?

No. TDECU provides all Members this valuable service to monitor and secure their transactions free of charge. You do not need to enroll or call to sign up.

How do I know Falcon Fraud is working on my accounts?

Falcon Fraud conducts over 15,000 calculations in milliseconds when your card is swiped to detect any potential fraud and is working 24/7. If there is suspicion of fraud, Falcon Fraud will contact you immediately to verify your identity and make sure the charges are legitimate. It is very important to store Falcon Fraud’s phone number in your phone.

What if I miss a call from Falcon Fraud?

If you miss the call from Falcon Fraud, they will leave a message with call-back information. If a charge is highly suspect for fraud, they will immediately suspend activity on your card. This has saved people thousands of dollars in fraudulent charges.

Will I be asked to provide private information to Falcon Fraud?

No, Falcon Fraud will never ask for your Social Security number or other sensitive personal information. Instead, they will verify your address. Please be sure to maintain and update your address with TDECU to avoid any confusion. If your address or phone number has changed, please call Member Care at (800) 839-1154.

TDECU credit and debit card chip technology

Advanced security for all your in-store purchases

At TDECU, we are committed to your financial security. One way we uphold that commitment is by embedding all our debit and credit cards with secure microchip technology. Our cards feature an EMV chip — the global standard in card security.

EMV stands for Europay, Mastercard®, Visa®. The three companies started the chip initiative to provide a more secure and dynamic way to store data, and to protect consumers against different forms of fraud, including card skimmers.

EMV Chip Card Frequently Asked Questions

What is a chip-enabled credit or debit card?

A chip-enabled credit or debit card features EMV technology, which is an embedded microchip that provides an extra layer of protection against fraud. The embedded chip is commonly used in place of the card’s magnetic stripe when making in-store purchases.

Your TDECU credit or debit card will have a small metal square on the front, right above the card number. This small square is the EMV chip.

What is EMV?

EMV stands for Europay, Mastercard, Visa® after the three companies came together to develop the gold standard for card security and verification. EMV chips create dynamic data each time you complete a transaction with your card, making it almost impossible for a counterfeiter to clone your card.   

How are chip-enabled cards more secure than magnetic stripe cards?

Magnetic stripes on traditional credit and debit cards store unchanging data. If that data is breached, it may expose sensitive card and cardholder information necessary to make purchases. That makes traditional cards prime targets for counterfeiters.

When a chip-enabled card is used for payment, the chip and payment terminal work together to create a unique transaction code that cannot be used again. If someone were able to gain access and attempted to use the unique code for a subsequent purchase, the transaction would be denied.

Does chip-enabled card technology protect against all fraud?

No. While this technology is the global standard for card security, thieves will continue to look for new ways to commit fraud. When a chip-enabled card is used for payment, the chip and payment terminal work together to create a unique transaction code that cannot be used again. If someone were able to gain access and attempted to use the unique code for a subsequent purchase, the transaction would be denied. EMV chip-enabled card technology, however, will not protect against fraudulent activity in instances of non-present card transactions, including purchases made over the phone and online. As your credit union, TDECU will continue to employ the most sophisticated fraud prevention tools available to ensure the integrity of your account(s).

Is it true that chip card information can be stolen with an RFID scanner?

No. Information contained in the chip cannot be stolen with an RFID scanner. The chip creates a unique code each time it is used and must be in contact with the terminal to complete the transaction. This makes it much more difficult for criminals to duplicate and use your card to commit fraud.

Is a PIN required to complete a transaction with a chip-enabled debit card?

Yes, sometimes. This depends on the merchant, so it is important for you to know the PIN associated with your chip-enabled credit or debit card. Credit card PINs are required for cash advances at ATMs.

How will I know whether I need to swipe or insert my chip-enabled debit card when making an in-store purchase?

This depends on the merchant. If the merchant terminal accepts chip-enabled cards, you will insert your chip-enabled debit card into the card slot where it will remain during the transaction. If you try to swipe your chip-enabled card using the magnetic stripe at chip-enabled terminals, your card will be denied.

How do I pay for a purchase at a chip terminal?

Follow these easy steps to pay at a chip-enabled terminal:

  1. Insert the chip end of your TDECU card into the chip-enabled terminal with the chip facing up.
  2. Keep your card in the terminal throughout the transaction and follow the prompts on screen. If you remove your card too soon, your purchase will be canceled.
  3. Remove your card from the terminal when prompted and take your receipt. You may need to sign for your purchase.

 

What should I do when I receive my TDECU chip-enabled card?

For debit cards, call (855) 898-7287 to activate your card and follow the prompts to create your own personal PIN if you so choose. Also, remember to sign the back of your card once your card is activated.

For credit cards, call the phone number listed on your new card to complete the activation process. Also, remember to sign the back of your card once your card is activated.

Will I receive a new Personal Identification Number (PIN) for my TDECU chip-enabled card?

For debit cards, you will receive a PIN in the mail a few days after you receive your card. If you create your PIN at the time of activation you can disregard the PIN mailed to you. If not, you should use the PIN you received in the mail.

For credit cards, please call (888) 886-0083 to request a PIN.

Will I be able to change my PIN at a later time?

Yes. For debit cards, call (855) 898-7287 and select the option to “Change Your PIN”. 

For credit cards, please call (888) 886-0083 to request your PIN.

Messaging frequency depends on account activity. For more information, text HELP to 32874. To cancel fraud text messaging services at any time, reply STOP to any alert from your mobile device.

For Fraud Alerts support, call (800) 839-1154. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud. 

HELP instructions: Text HELP to 32874 for help or call TDECU at (800) 839-1154.

STOP instructions: Text STOP to 32874 to cancel.

1Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of your carrier may interfere with messages delivery for which the carrier is not responsible. Your cell phone carrier does not guarantee that alerts will be delivered.

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