Cardholder Travel Information

Travel Checklist

We monitor accounts on a daily basis for unusual activity through fraud monitoring tools. We can place a memo on your debit and/or credit cards to let us know when you are traveling. Please make sure we have current phone numbers, including cell phone numbers.
You should enroll in Member Access before you leave for a trip to increase the methods that you can contact us. You will be able to send encrypted messages to us and we can respond within Member Access. We do not use email to correspond to members that have account related questions or problems.
The Credit Union has limited access in Brazil, Malaysia, Pakistan, Romania, Spain, Thailand, Turkey and Ukraine. In most cases your card may work, but let us know if you are traveling internationally and we will give you all available information for that region and exclude your card from fraud strategies that may impact your trip.

The availability to use a card in Cuba remains extremely limited due to the US Trade Embargos and the developing payment landscape in that country. While some areas of the embargo have been lifted, many remain. It is important to note that there is a high likelihood your cards of any brand will not be accepted or function in this area. Furthermore, the Credit Union will not be able to exclude your card to allow these transactions. Any one travelling to Cuba should be prepared with local currency before they go.

It is important to make sure that your card is not damaged and the PIN is correct. Is the card going to expire while you are away? Test the card before trusting it with your trip.
It is important to realize that problems happen with debit and credit cards, ATMs and systems. Additional debit or credit cards and some cash are a good idea to bring along.
Luggage, briefcases, articles of clothing, purses and wallets can all be easily lost or stolen. It is a good idea to put one item in your luggage, one in a wallet and another in a briefcase. This way, if one of these articles is lost or stolen you will still have access to funds when needed.
It is a good idea to photocopy any card or traveler’s check you bring with you front and back. These copies will have all of the contact information, and account numbers needed to close the cards and prevent additional fraud if they are lost or stolen on your trip.

Travel Tips

Protect your wallet and purse while sightseeing. Pick pocketing is very common with international travel.
Where possible, stick with reputable companies. When booking online, read terms and conditions carefully before confirming your reservation. If you’re booking over the phone, ask questions regarding penalties and fees for late returns or no shows. Make sure you understand what charges you may be agreeing to. Verify state and local taxes, airport surcharges, gas, and drop off charges to prevent those unexpected extras. Inspect the car with the rental car representative upon pick up. Make them document any dings, scratches, or other damage prior to leaving the rental site. Also confirm that the odometer reading and gas gauge are properly recorded on your contract. Take photos of the odometer, the gas gauge, and any damage upon pick up that may help dispute any unwarranted charges.
Most cell phone providers offer a temporary international calling plan that can be added. This will provide the ability to place international calls at a much lower cost than if you try to place or receive a call without an international option.
1 Contact the Credit Union for details or to inquire about these restrictions and/or to have the blocks removed for the duration of your travel.