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Credit Card Fraud Recovery Checklist

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Have you found an unusual or unauthorized credit card transaction while viewing your account transactions via online/mobile banking or on your latest statement? 

  1. Call First Northern immediately to report the suspected fraud at (888) 328-8677 during business hours. After hours, contact Visa® Credit Card customer service at (800) 322-8472
  2. Staff at First Northern will block your existing card, changing its status to lost or stolen. This will prevent additional fraudulent transactions from being posted. 
  3. First Northern will issue you a new card number, rendering the previous number inactive. First Northern will mail a new card to your residence.
  4. You will receive a dispute form to complete for any fraudulent transactions that have successfully posted to your account. You will need to fill out one form per unauthorized transaction. 
  5. Review your transaction history to ensure any recurring charges that have auto payment set up are directed to a different payment method until your new card arrives. Once your new card arrives, review those accounts again if you need to direct those automatic payments to your new credit card. 
  6. If you have signed up for SecurLock or Visa Purchase Alerts, ensure your new card is added to those services.
  7. You also have the right to file a police report.

Suspicious Activity Texts for First Northern Debit Cards

As fraud evolves, the resources we can use to reduce your risk evolve as well. Starting in February 2025, First Northern Credit Union Visa® Debit Card users will receive text messages to verify potential suspicious activity on their cards.

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Chase Fraud Alert Scam

An increase in fraud with Chase accounts has created an opportunity for scammers to take advantage of consumers by claiming to assist with these fraud incidents.

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Unpaid Tolls Scam

Recently, Illinois residents have been waking up to text messages on their phones claiming they have an unpaid balance - which is associated with a hefty fine if left unpaid. This scam may provide your financial and personal information to those would would use it for fraudulent activities and avoiding it may be easier with our tips.

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