Visa's Zero Liability Policy* is Visa's guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa® credit or debit card is lost, stolen or fraudulently used, online or offline.
How It Works
Use your Visa credit or debit card to make purchases at millions of locations.
Report suspicious charges immediately
Review your monthly statement and immediately report any unauthorized charges to your financial institution.
Get quick resolution
Once an unauthorized transaction, covered by Visa's Zero Liability Policy*, is reported, your financial institution will investigate so you can have the issue corrected quickly.
Important Things to Note
Visa's Zero Liability Policy requires card issuers like First Northern Credit Union to replace funds taken from your account as the result of an unauthorized credit or debit transaction within five business days of notification. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.
If you experience unauthorized transactions, notify First Northern Credit Union immediately. Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by us based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing and history.
The transaction-at-issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations and other details, please contact us.