About

CardValet®

One app to control all your debit and credit cards.

Our new CardValet® app lets you control all of your credit and debit cards. Save time and gain peace of mind knowing you can control the cards in your wallet with your phone in your pocket. 

  • Get real-time notifications when your card is used. 
  • Restrict transactions to a certain area using your phone's GPS.
  • Set security preferences to match your spending habits for every credit and debit card. 
  • Set spending limits for every transaction. 
  • Enable or disable your cards to be used within certain merchant categories such as gas and groceries, hotel and travel. 
  • Lock and unlock cards with a few taps on your smartphone. 

Download CardValet from Google Play™ or the App StoreSM to:

  • Turn your debit and credit cards on or off from your smartphones
  • Sign up for alerts based on transaction amount, location, merchant type, etc.
  • Set limits for spending - great for parents or employers
  • And set other features

 

For more information please visit http://www.cardvalet.com/index.aspx

Receive Real-Time Visa Alerts

Now you can monitor your Visa Credit card account easier and faster. With free Visa Purchase Alerts from Hoosier Hills Credit Union, receive real-time alert notifications on select signature-based purchases made with your HHCU Visa credit card. Monitor your account activity from wherever you are and quickly notify HHCU of anything suspicious. 

Select from available criteria and decide what activity you want to receive alerts on. Plus, choose how to receive Purchase Alerts - as text messages (SMS) and/or as email messages. 

How it Works

To receive Visa Purchase Alerts, cardholders can sign up at https://purchasealerts.visa.com/vca-web/check. Once you are enrolled, you can establish specific triggers. Anytime a qualified Visa transaction takes place that meets your defined parameters, you will receive as alert in seconds via email and/or SMS text message. Choose from these options:

  • Individual transaction amount thresholds
  • International transactions
  • Card-absent transactions, such as telephone or online orders

Visa Alerts are just one more way Hoosier Hills Credit Union and Visa can help protect your credit card account. 

 

Upcoming System Maintenance Dates

 

 

 Debit Card Fraud

      WHAT IS CAUSING ALL THE DEBIT CARD FRAUD?

       HOW CAN YOU BEST PROTECT YOURSELF?

WHAT IS CAUSING ALL THE DEBIT CARD FRAUDYou see it on the news, or possibly you have been victimized.  Fact is debit card fraud is on the rise and there are things you should know to best protect yourself from the bad guys perpetrating the fraud.

First, how are the bad guys getting access to your card number?  Far and away the biggest problem is with large retail companies that have not protected the information they gather when you conduct a debit or credit card transaction at their store, or while you shop on-line.  Here, the bad guys have broken into the company’s computer systems.  They steal large numbers of customer’s card information.  You have likely heard of many of these DATA BREACH cases on the news.  Within the last year stores like Macy’s, Target, and Home Depot have all been breached.  It does not matter whose bank or credit union card you carry.  The crooks are getting the card numbers from the store's computer system.  Retailers need to do more to protect consumer information. This is where the greatest amount of debit card fraud is originated.  

Once the bad guys have the information, they typically sell the card numbers to another bad guy who either creates a duplicate (counterfeit) card, then goes out and buys merchandise or gift cards using the fraudulent card, or they simply use the card number to buys things on line.

 

Another criminal activity that is gaining ground today is SKIMMING.  This is where the bad guys place a device, which is undetectable to the eye, on gas station pumps and ATM machines.  Here, the data is collected each time the card is swiped to make a purchase or a withdrawal.  This information is then used to create a counterfeit card.

 

HOW CAN YOU BEST PROTECT YOURSELF…

  1. Check your account balance and activity often. If you have a mobile app, simply check your account balance and activity. If you use phone teller, check your balance and activity.  Do the same if you use text banking.  If you notice anything suspicious and it is during regular office hours, call the credit union.  If you notice suspicious activity and it is after hours or on the weekend, call 800.472.3272 and request your card to be blocked. Then give HHCU a call during open hours.  You will have three business days to do this.
  2. We have a card fraud protection service which monitors account activity for suspicious transactions.  This service will call you if suspicious activity is detected.  When they call they will identify themselves by saying “This is the fraud detection center calling to verify recent transactions on your ATM/Debit account at HHCU.”  At this time you can verify if the transaction was yours or if it is a fraudulent purchase.  They will never ask for your card number or PIN.

 

For this process to work effectively, you need to be sure the Credit Union has the "best" phone number to reach you. Typically this is a cell phone number, or if you don’t have a cell phone, your current land line number.

We have additional information about Card Fraud on our website.  If you have any questions, please call the Call Center at 812-279-6644.

 

Thank you,

HHCU 

Other Card Security Tips: 

  • Monitor your account online through Home Banking or Mobile Banking.  Set notifications so that you are notified of transactions over a certain amount.
  • Register for e-statements so you receive your account history quicker than paper statements.
  • Use a Credit Card in lieu of a debit card.  This will keep thieves from stealing the money you would use for your expenses.
  • If you use a debit card in a store for your purchases, press the credit key and sign for the transaction rather than using Debit option.  If someone would be “skimming” they would not have your PIN number as well as the card number.
  • Inspect card readers and key pads-do not use them if they look odd or anything appears loose.
  • Do not let store or restaurant employees walk away or get out of site with your card.  When possible swipe the card yourself.
  • Beware of giving card information over the phone.  Remember, the person taking your information will NEVER need your PIN.
  • When shopping online, never store card information on sites you order from frequently.  This will protect your card so that if your account gets “hacked” there will not be a card listed for them to place orders with and ship elsewhere.

I Have Fraud on My Debit or Credit Card, What Do I Do Now?

Report the fraud immediately:

After Hours call:  800-472-3272

Business Hours call:  800-865-2612 or 812-279-6644

After you have reported the fraud, you will have 3 business days to file the appropriate paperwork with Hoosier Hills Credit Union. 

How Long Until I Receive A Refund?

The Credit Union will make a determination and if there is no refund coming to you, you will be contacted by the Member Service Representative that assisted with the claim. Provisional credit will be given for the transactions deemed as fraud within 10 business days.  If there were fees assessed due to the fraud, those will be refunded as well.

Will I Get To Keep The Refund?

The information from the merchants involved in the claim will determine whether you get to keep the refund.  The only other reason you would not get to keep a refund that is passed to you from Hoosier Hills Credit Union would be if the merchant refunded you as well.

Contact Us

To report a lost or stolen credit or debit card after hours, call (800) 472-3272. 

To activate your personal credit or debit card or if you have issues with your card, call (888) 429-1626.

To activate your business visa or if you have issues with your card, call (855) 519-9874 

 

West-Side Construction

Ongoing city construction to make infrastructure improvements will close the intersection of 16th Street and Plaza Drive down to Wash World. This is very near our West Side Bedford drive-up. The road closure at that location is anticipated to last several weeks.  Over the following weeks, they will work their way south down Plaza Drive with further road closures until they reach the intersection of Michael Avenue and Plaza Drive, which is immediately next to our West Side location.

 

During this time, 23rd Street, the new road that is accessible from Highway 37, will serve as the official detour route. There may also be other access points available from 16th Street that are not city streets.

 

After the weeks of construction is complete, they will begin paving the road. During the paving phase, they plan to leave one lane open on Plaza Drive at all times and will be doing some of the work at night when we are closed.  At this time, we do not have a completion date.  Please check back for further details, as we will post as new information as we receive it.

 

We have been assured by the City of Bedford that there will always be access to our West Side location. We appreciate your patience in having to work around the upcoming road closures to get to us on the West Side. We will remain open throughout this period to serve your financial needs. We’re also happy to assist you at our main Service Center at 630 Lincoln Avenue.

 

 

 

 

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