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Read me BEFORE you Travel!!

We live in a time where financial fraud occurs more often than ever before. Fraudsters are working diligently to gain access to your hard earned money and we are working just as hard to protect it for you.

There are certain countries with reported major financial fraud rings. There are other countries that we are unable to do business with because they are listed on the Office of Foreign Assets Control (O.F.A.C.) list. Check O.F.A.C List Here


In an effort to keep losses down and protect your money at the same time, your Visa Debit and Credit Cards will not work in the following countries; however completing a Travel Notification Form will allow you to use your Visa Debit Card:






Hong Kong


We will update the blocked countries list periodically as information is released to us. Please check the site each time before you travel. Again, our VISA Debit Card will not work in these countries without completing a Travel Notification Form.


TRAVEL TIP!! Providing basic travel information such as dates and destinations along with travel contact information can reduce the chances that your legitimate transactions will not be blocked and help us to contact you faster if fraud is suspected. Premier Community Credit Union's fraud detection system works 24/7/365 days to protect your funds. Stored Value Cards such as pre-paid VISA cards are recommended when traveling to these countries.


To submit your completed Travel Notification Form please visit your nearest service center or fax to 209-235-1121.

Important numbers to carry when traveling:

VISA Debit Card

To report your VISA Debit Card lost or stolen: 800-754-4128

VISA Debit Card Fraud Center (US Toll Free): 888-241-2440

Outside US call collect: 909-941-1034

VISA Credit Card

To report your VISA Credit Card lost or stolen: 800-682-6075

VISA Credit Cardholder Services, including fraud (US Toll Free): 800-237-6211

VISA Global Travel Assistance emergency cash & card replacement (US Toll Free): 800-VISA-911

Outside US call collect: 410-581-9994


NCUA Warns of Text Phishing Scam

ALEXANDRIA, Va. (Aug. 23, 2016) – The National Credit Union Administration has received consumer calls about a suspicious text message claiming to come from the agency.

The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”

This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone.

Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement.

View the entire press release here


1.  Why are chip card transactions more secure?

Chip cards are more difficult to counterfeit or copy. They offer advanced security for in-store payments by making every transaction unique. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

2.  How do I use my chip card?

During the transition to chip cards, you can swipe your card as you normally would, and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert the card instead. If you already know your chip card works there, start by inserting your card.

These basic steps will help ensure successful transactions:

1.     Insert your card firmly with the chip toward the terminal, facing up until the screen changes. Do not remove until prompted.

2.     Provide your PIN first if available or your signature as prompted by the terminal. Some transactions may not require either.

3.    When the terminal says the transaction is complete, remove your card. Always remember when you use your chip card to follow the prompts on the terminal and leave your card inserted until prompted to remove it

3.  Can I still pay in store if I don’t have a chip card?

Yes, merchants will continue to accept magnetic stripe card payments.

4.  Can I scan my card?

No. This card is not contactless and cannot be scanned.

5.  Does this chip track my card like GPS?

No. This is not a GPS chip. It is only for an additional layer of fraud protection.

6.  When can I expect to get my Premier Community Credit Union Chip Card?

We will begin issuing chip enabled cards in July 2016.

7.  What does a chip-enabled terminal look like?

Chip-enabled terminals have all the features you are used to with a payment terminal, with the addition of a slot to insert your card. The slot is typically located at the bottom or the top of the payment terminal.

8.  How will I know if a terminal accepts chip cards?

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card. Some terminals accept both swipe transactions as well as insert transactions.

9.  What if the terminal does not accept chip cards?

You can still use your card as you do today. The cards still have a magnetic stripe on the back that will work.

10.  Where can I use my chip card?

Everywhere! Your card will have a chip and a magnetic stripe to accommodate any situation. During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

11.  Will anything change during my online purchase?

No. You will use your chip card for online purchases by following the same process you do today.

12.  Can I use my chip card outside of the US?

Yes. Chip cards are widely used in international markets and are accepted in more than 80 countries. Having a chip card will make it easier for you to make purchases when you travel internationally.

13.  What's the difference between "Chip" cards, "Smart" cards, and "EMV" cards?

There is really no difference. All of these names refer to the same security technology.

14.  What if I don’t want to get this new type of chip card? Can I ask to have the same type of card I have now?

For your account protection, all of our cards will be reissued as Chip Cards. There is no way to provide you with any other type of card. All financial institutions will be converting over to Chip cards to improve security for members.

Remember to take your chip card once you've completed your transaction.

Important Update Regarding Your July Visa Payment

We are aware that some of our Visa members have had their July payment skipped. If you noticed you do not have a payment due for this statement cycle please be patient as we are working to get this resolved.

Thank you


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