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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.

SecurLock App - Download on the App Store   SecurLock App - Get it on Google Play

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. 

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”.