Zero Fraud Liability

Every UCCU Visa is backed by Visa’s ZERO Fraud Liability policy, which is UCCU’s guarantee you won’t be held responsible for any unauthorized charges if your card is lost or stolen.

Report suspicious charges immediately

If your card was lost or stolen, or if you suspect you’re a victim of fraud or identity theft, contact UCCU immediately to put a hold on your card account. 

To report any unauthorized charges to UCCU, call 800-453-8188, send an email to [email protected], or send a message from inside online banking. 

Get quick resolution

Once you have reported an unauthorized transaction covered by Visa’s Zero Liability Policy, UCCU will investigate so you can have the issue corrected quickly.

(801) 223-8188 | Branch Locations

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location

• Fraud Protection:
  Enhance your online shopping security with our advanced fraud prevention system, safeguarding against unauthorized card usage.
• User Friendly:
  Verify your identity effortlessly with our streamlined, user-centric authentication process when additional security checks are required*.
• Accepted Globally:
  Unleash borderless online shopping potential with widespread acceptance across participating merchants and issuers worldwide—no downloads or registrations required.
• Zero Liability**:
  Shop worry-free with our zero liability policy, ensuring you’re never responsible for unauthorized charges—whether your Visa card is used online or in-store.

^*For details on the authentication options available to you, please reach out to UCCU at any Branch Location or call our Service Team at (801)-223-8188.
^**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 details.

For more information visit Visa’s Online Shipping and Security.