Real-Time Card Fraud Protection Tips, Info & FAQs
Disable your lost or stolen card with just a few clicks.
If you suspect fraud, temporarily misplace your card or if you just don’t need your card for a while, disable it with Real-Time Card Fraud Protection. As a member, you can rest easy knowing that your United Texas cards are protected whether they’re lost, stolen or just misplaced. You can disable your account in seconds with just a few clicks and turn it back on when you’re ready. If you know your card is lost or stolen, you have the option to permanently cancel it so no one can use it fraudulently.
"Debit or Credit?"
Great. You’ve just spent all this time deciding what to buy, and now you have to decide how to pay for it. What’s the difference between debit and credit, anyway? It all comes out of the same account, right? Not exactly. There are some important differences between debit and credit. Here are a few of that will help you spend a little smarter.
Why choose debit?
When a merchant runs your debit card, it triggers a chain of events that includes requesting money from your checking account, then having the credit union confirm that the funds are there before transferring them to the merchant. Finally, the merchant pays a processing fee, which ends up being less than 1% of the transaction. Here are the pros:
– Never spend more than you have.
– Spending your own money means you owe zero interest.
– Get cash with your purchases.
– Get cash back more easily.
Why choose credit?
A credit purchase works a bit differently. Instead of requesting the funds from your checking account, the merchant requests money for the transaction from your card issuer. The card issuer checks that you have that amount of credit available before sending the funds over within a few days. Then, whenever you make your payment, you pay back the card issuer for the transaction, and the merchant pays a credit processing fee that ends up being about 2% of the transaction. Here’s how buying with credit pays:
– Earn cash back or points.
– No hold on purchases like hotel rooms or gas.
– Get insurance for travel purchases and rentals.
– Never have overdraft fees.
What happens when I disable my account?
Disabling your debit or credit card lets us know that you don’t want us to authorize new purchases, cash advances or balance transfers until you turn the card back on. A disabled account still allows some activity including returns, credits, dispute adjustments, payments, recurring payments, account fees, interest, rewards credits and other exempted transactions. As a reminder, disabling your account is a convenient way to temporarily block transactions until you turn it back on — your account number does not change when you disable your account.
Which cards can I control with Real-Time Card Fraud Protection?
This service is available for all United Texas cards, debit and credit, personal and business.
Is there a fee to use this service?
This service is free to use as often as you need it.
How often can I use Real-Time Card Fraud Protection to enable and disable my cards?
You can turn off or turn on your account as often as you need.
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Real-Time Card Fraud Protection Why United Texas
Real-Time Card Fraud Protection
- Free with membership
- Protect against fraud in seconds
- Disable and reactivate your lost or misplaced card
- Permanently cancel your stolen card
- Access via Online Banking or United Texas Mobile
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Real-Time Card Fraud Protection How it Works
How it Works
Access this service through Online Banking or by downloading United Texas Mobile to your Apple℠ or Android™ smart device.
Then simply log in and select the Card Security menu option. You’ll see your eligible cards and the current status of each card on the screen. Tap on the card you wish to control and choose from a drop-down menu at the bottom of your screen with four options:
Active – Your card is ready to use.
Disabled – Transactions are denied while in this status. To reactivate, simply choose “Active” in the drop-down menu. In a few seconds, the card will be active.
Lost – This option will permanently cancel your card. You won’t be able to reactivate it.
Stolen – This option also cancels your card. If you indicate that your card is lost or stolen, please contact us to request a new card with a new account number.