IMPORTANT NUMBERS
- Lost or Stolen Cards – Immediately temporarily Lock your card as instructed below to prevent unauthorized use. Then call 888/241-2510 in the US or 909/941-1398 outside the US to cancel the card and have a new one issued.
- Disputed Charges – call 844/419-0739
- ATM Transaction Disputes – call 844/419-0739
- Card Activation – call 866/762-0558 in the US or 501/588-7531 outside the US
- To Change Your PIN – call 866/762-0558 even if your card is already activated. You will be asked to enter your card number and other security information. You will receive a response when successfully entering all requested information that your card has been activated. Next you will receive an option to change your PIN.
- Block Removal – call 325/653-1465 or 800/749-1465
- PIN – Remove Bad Attempts – the card is blocked after three invalid PIN tries. You must call to remove the invalid attempts call 844/419-0712
- Transaction Research Inquiries – 325/653-1465 or 800/749-1465
- Travel Exclusions – call 844/419-0712 and let us know where and when you will be traveling so your transactions will not be denied due to out of area transactions
Check out 1st Community FCU’s VISA Platinum credit card program with the following benefits to enhance your lifestyle:
- “Lock and Unlock” your credit and/or debit cards temporarily with Card Control on our mobile app or in online banking to prevent any unauthorized transactions. From your Accounts screen on the app, just tap the cards icon at the bottom, choose the card, and tap Block Card. To Unblock the card, follow the same procedures and tap Unblock Card. This action is immediate to Block or Unblock your card. Remember, when a card is blocked it will not work for purchases, ATM withdrawals or automatic payments you have set up with the card until it is Unblocked.
- On-line Credit Card Application Apply anytime, anywhere 24/7 and we will personally respond to your application no later than the next business day.
- click here for Credit Card Disclosure on VISA Platinum and Rewards VISA Platinum
- REWARDS Card – up to 2% Cash Back for every net dollar of retail sales. This will be paid as a credit to your credit card in November of each year. Your membership and credit card must be open, and your card must be current and not over limit and all other accounts must be in good standing or you forfeit your rewards. Click Here for more information about how you earn rewards.
- No Annual Fee or Cash Advance Fee
- Balance Transfer– one-time balance transfer promotional rate 2.95% APR* (see above for Special Limited Time Offer for current VISA Platinum cardholders)
- Go to Rates after 12 months as LOW as 10.95% APR* on new cards issued starting March 1, 2023
- All 1CFCU Credit Card information is linked to your account at the Credit Union and is available for viewing, making payments and doing cash advances through our online or mobile banking and over the counter at any 1CFCU location
- Credit Card statements are included as the first page of your monthly 1CFCU paper statement or viewed separately in eStatements.
- All Credit Card payment due dates are the 28th of the month
- VISA Checkout– the easier, more secure way to shop online!
- 3D SECURE – provides an extra layer of security for e-commerce transactions. This is a risk-based authentication process. All cardholders are automatically enrolled. Cardholders will receive instant notifications of suspicious activity.
- Credit Insurance – Credit Life and Credit Disability Insurance available.
- Convenient Payment Methods – 1st Community’s on-line or mobile banking, by mail, automatic payment, or over the counter at the credit union
- Introductory Rates 2.95% APR* on purchases made in first 12 months after account opening
- Go To Rates after 12 months as LOW as 10.95% APR* on new cards issued starting March 1, 2023
- Same Rate for Cash Advances and Purchases
- EMV chip-enabled
- Works with Apple Pay, Samsung Pay and Google Pay
- Toll-Free # for 1st Community FCU is on the back of your card to check your balance or verify payments or transactions on your card or through online or mobile banking.