Visa Benefits

Account Alerts (not real-time)

Account alerts allow you to be notified of the following statuses for each of your accounts. Each account can have different alert settings.

• Log in to online banking
• In the upper right corner of your My Accounts page, click on the silhouette of a person in a circle and select Manage Alerts.
• Select the format you would like to receive your notifications — text message or email (or both)— along with a verification of your contact information. 
• You can be notified for the following options: 
  • If your account balance drops below a pre-specified amount
  • If your balance exceeds a pre-specified amount
  • If a credit or debit transaction exceeds a pre-specified amount (Note: this amount can be as low as $0 to alert you for all transactions)

Security Alerts (real-time)

Security alerts allow you to be notified in real-time about any or all of the following changes:

• When your ID, password, email address, phone number, alert preferences, or other settings have been changed
• If a PIN has been enabled or disabled
• If a transfer has been conducted of a pre-specified dollar amount or more

Visa^® Purchase Alerts

Visa Purchase Alerts are real-time text or email alerts when you pay with your Visa Credit Card. These alerts may help keep your account secure by empowering you to catch fraud. (Note: First Northern Debit Cards can be controlled within mobile or online banking.)

Sign Up for VISA Purchase Alerts

SecurLock® Credit Card Control Mobile App

The SecurLock Credit Card Control App allows you to control how, where, and when your credit cards are used via your mobile device. Turn your card on or off with the touch of a button, set location-based controls, block international transactions, or set spending limits.

If you need additional assistance setting up alerts, visit a branch location or call us at 888-328-8677 and our team can walk you through the process step-by-step. For your security, we cannot access your dashboard and set them up for you. 

Benefits

• Dark Web Monitoring: continuously patrols the dark web and private forums looking for personal information that may belong to you. Should it be found, notifications are sent with suggested steps.
• Data Breach Notifications: sends notifications on large-scale breaches so you can act quickly should a breach affect your personal information.
• Stolen Wallet Assist: A stolen wallet can mean a lost identity. If your wallet is stolen you will receive guidance to help you cancel or replace key documents like your credit cards, driver’s licenses, Social Security cards, insurance cards and more.
• One-Bureau Credit Monitoring Alerts¹: helps you stay on top of your credit to help detect fraud more quickly. Alerts are sent when key changes are made to your credit file with a major credit bureau.
• Credit, Bank & Utility Account Freezes: provides instructions and links so you can quickly freeze credit, bank and utility files with each consumer reporting company to help protect you against criminals opening unauthorized accounts in your name.
• Restoration Assist: U.S.-based Identity Restoration Specialists are available Monday to Friday 6 a.m. – 5 p.m. PST with guidance and with next steps to assist you should you become a victim of identity theft or other suspicious activity. Note: Visa Cardholders will have access to special discounts if they are interested in purchasing a more robust identity theft offering that includes additional Restoration features such as the LifeLock Million Dollar Protection™ Package. 
• U.S.-Based Member Services & Support: is available Monday to Friday 6 a.m. – 6 p.m. PST and Saturday 7 a.m. – 1 p.m. PST.

How to Enroll

Visa® cardholders must enroll to use NortonLifeLock™ and can choose the complimentary ID Navigator benefit, or a more robust NortonLifeLock™ product at a special discounted price.

Complimentary Coverage

• Visit www.cardbenefitidprotect.com and enter your Visa Credit Card number to confirm eligibility.
• Upon confirmation, you will be directed to a custom NortonLifeLock™ landing page to select the complimentary ID Navigator benefit.
• The checkout process begins. View your Order Summary (no cost for the benefit), enter your email address, and create a password.
• Next, provide Name, Date of Birth, Phone, Address, Credit authorization,  and Social Security Number. 
• Review the order, accept terms and conditions, then you will receive a confirmation page and confirmation email.
• Once enrollment is complete, you will be directed to the Member Portal to view and manage the new benefit.

Paid benefit upgrade

• Visit www.cardbenefitidprotect.com and enter your Visa Credit Card number to confirm eligibility.
• Upon confirmation, you will be directed to a custom NortonLifeLock™ landing page to select the discounted paid benefit upgrade.
• The checkout process begins. View your Order Summary and the cost for the benefit upgrade. Enter your email address, create a password, and you can choose to add family members and/or more features to their plan.
• Enter your payment plan preference, either monthly or annual, and payment information.
• Next, provide Name, Date of Birth, Phone, Address, Credit authorization,  and Social Security Number. 
• Review the order, accept terms and conditions, then you will receive a confirmation page and confirmation email.
• Once enrollment you are now a paid member of NortonLifeLock™ and will be directed to the Member Portal to view and manage your plan.

Frequently Asked Questions

Q. How is the personal data cardholders enter for Dark Web Monitoring stored and managed? How do cardholders know their personal data shared with NortonLifeLock™ is secure?
Personal data is stored and managed by an advanced secure cloud database, which is encrypted and protected with multiple layers of security measures.

Q: How can cardholders be sure the personal data they enter for Dark Web Monitoring is not used or sold by NortonLifeLock™ employees?
Any personal data is encrypted. Only a few selected employees who undergo training on how to handle personal data can access it. These employees must provide their own unique credentials every time they access personal data and are subject to monitoring by our Information Security and Compliance team. See the NortonLifeLock™ Global Privacy Statement for additional details.

Q: Can NortonLifeLock™ remove cardholders’ personal data from the dark web?
Unfortunately, no. The content on the dark web is not centralized and is owned by many different (usually anonymous) owners. Only the owner of the content can remove or modify the content.

Q: How does NortonLifeLock™ help cardholders who receive a Dark Web Monitoring notification?
Within the notifications, advice is provided on next steps they can take to help protect their personal data. When available, it will include links to additional resources. If cardholders have additional questions they can go to support.norton.com.

Q. How does NortonLifeLock™ help if a cardholder’s personal data is leaked in a data breach?
Notifications are sent that provide best practices and suggested next steps they can take to help protect their personal data. Plus, they can visit support.norton.com.

Q: How do cardholders enroll? What information will they need to provide?
Visa cardholders should visit www.cardbenefitidprotect.com and complete the eligibility verification. Once verified, cardholders will be redirected to the offer page on Norton.com where ID Navigator enrollment is available. Enrollment in ID Navigator will require first name, last name, SSN, date of birth, address, phone
number, and email address.

Q: What are some common triggers for dark web, credit, and data breach notifications?
A cardholder’s personal information detected on the dark web, a hard credit check, or an update to a cardholder’s credit file are a few examples. Data breach notifications are sent regarding large data breaches that may impact consumers.

Q: If a cardholder receives an alert, what should they do next?
Each alert will include information about next steps. Specifics vary by type of alert.

No one can prevent all identity theft.
1 Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met, you will not receive Credit Features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.

Benefit

• Simply call 1-800-847-2869, 24 hours a day/7 days a week, and Roadside Dispatch^® will ask you where you are, what the problem is, and will remain on the phone while arranging a dispatch to a reliable tow operator or locksmith.
• You pay a set rate per service call.
• No membership is required, and you don’t need to pre-enroll.
• No annual dues.
• No limit on usage.

For a set price per service call, the program provides:

• Standard Towing – Up to 5 miles included
• Tire Changing – must have good, inflated spare tire
• Jump Starting
• Lockout Service (no key replacement)
• Fuel Delivery – up to 5 gallons (plus the cost of fuel)
• Standard Winching

Not only will you not have to search for the name of a local tow operator, you may even save money because rates are pre-negotiated. All fees are conveniently billed to your Visa® account.

Please keep in mind that you will want to read the full terms and conditions for further details including replacement restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Frequently Asked Questions

Q. Who are the service providers and what do they provide?
Service providers are independent contractors who provide emergency roadside assistance and towing services. All contractors are solely liable for their services.

Q. What other fees or limitations should I keep in mind?
Towing rates apply to vehicles with a weight of up to one-ton gross vehicle weight. If you require a tow for more than five miles, you must pay the cost beyond five miles. If a secondary unit being towed behind is not included, it can be accommodated for an additional fee. Additional fees may apply for winching services under certain circumstances.

You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival.

For more information, click here.

Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.
Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor First Northern Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other off road; areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor First Northern Credit Union provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

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

Shop worry-free
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. 

*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa® Credit Card and you can enjoy Travel Accident Insurance.

Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

Have a lost or stolen card?

No need to worry, Visa® is here to help. Contact Visa's team of Customer Care Professionals and they will make sure you’re able to continue securely paying for what you need, anywhere in the world Visa cards are accepted.

3 easy steps to a replacement card

1. Contact Visa at any time here.
2. Deactivate your card: A Visa representative will deactivate your lost or stolen credit or debit card and then notify First Northern immediately. In the event your card was stolen, this may help prevent fraud.
3. Get a new card: Visa will work with First Northern to replace your debit or credit card and ship it to you within 24 to 72 hours. 

In case of an emergency

Visa can arrange to get you an emergency replacement card or cash ASAP. Just call and they will block your card (if the card number is known) and connect you with First Northern. Then, following approval from us, you can also get an emergency card replacement within one to three business days.* Alternatively Visa can arrange for cash to be available at a location near you, usually within hours of approval.

Frequently Asked Questions

Click here. 

*Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

Redeem2Erase™ gives Visa® Platinum Premier cardholders the ability to redeem your ScoreCard® Rewards points to "erase" recent transactions from your statement. It's free to use, and a great way to turn your points into cash! 

How to use Redeem2Erase

• Within First Northern's online or mobile banking, select Visa Credit Card in the left navigation menu, then click View Rewards, and then Merchandise. 
• You will be directed to a transaction page, which will contain an “Erase” button next to transactions eligible to be erased. Transactions ranging from $20.00 to $1,000.00 that occured within the past 90 days are eligible. 
• Select the eraser option one time per transaction to remove full or partial amount. 
• The redemption will appear as a statement credit on your statement with the following description: “Point Redemption Credit”.