The information encoded on your card pertains to the card number, expiration date, your name, and address. Personal information such as your social security number, checking account number, driver's license number, and date of birth are not stored on the card. 

No. It means that your card information has been potentially compromised. Your card is being replaced as a precautionary action. We recommend that you review your account and report any suspicious or unauthorized transaction(s) to us immediately.

It typically takes 7 to 10 business days to receive a new card in the mail. TCT offers Instant-issue Debit Cards at all branch locations, which can be picked up same-day.

For Debit cards: You will need to call to activate your card and select your PIN number.

For Credit cards: You will also receive a mailer, which will arrive separately from the card, with your new personal identification number (PIN).

The Visa Account Updater Service automatically updates your TCT Federal Credit Union Visa® Debit card information on file with participating merchants for recurring payments when your card is lost, stolen, replaced or expired.

All TCT Federal Credit Union’s Visa® Debit cards are automatically enrolled in this service, which requires no action on your part. However, it is important to know that this service does not relieve you of your obligation to ensure merchants have your correct card information on file for recurring payments. Not all merchants participate in this program. Therefore, we recommend that you contact the merchant(s) and ask if they participate in the Visa Account Updater Service.

If they do participate, payments should automatically transfer to your new card.

If they do not participate, you will need to provide them with your new card information in order to continue recurring payments.

You may opt-out of the Visa Account Updater Service by contacting your local TCT branch and completing our opt-out form. Reasons why you may want to opt-out:

• If there were fraudulent recurring transactions on your compromised card
• If you wish to make other arrangements for your recurring payments

By opting-out of the Visa Account Updater Service, you will need to update the merchant(s) with your card information each time you receive a new or replacement card.

No one can predict when their card will be compromised. We urge our members to engage in our online services to increase their awareness of account activity. If you notice a transaction that you do not recognize, please contact us immediately, and we will be glad to assist you.

Card compromises occur when unauthorized individuals gain access to your card information. This typically means that your card number, expiration date, and PIN may have been manually or electronically captured for the purpose of creating a functional counterfeit card or to be used in a card-not-present environment such as online.

TCT takes every compromise seriously. When we receive notice of potentially compromised cards from various sources and tools, we evaluate the need to reissue a new card to affected members and then take the appropriate action. Replacing the card is a precautionary action to prevent fraud.

Debit Cards: Not necessarily, since each member receives a unique card number. If their card has also been compromised, they too will receive a similar notification.

Credit Cards: Yes, since each account is assigned one card number, authorized users of that card will also receive a replacement card.