MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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800-678-4968 • 517-333-2424
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MSU Federal Credit Union | Disclosures | Visa

Visa Credit & Debit Card Disclosures

As part of the USA Patriot Act (effective October 1, 2003), MSUFCU is in full compliance with security procedures that protect you and your credit union.

Patriot Act Requirements


The Patriot Act requires all financial institutions to implement specific procedures to:
 

  • Verify a person's identity.

  • Maintain records of information used to verify a person's identity.

  • Determine if the person opening the account appears on any government list of know or suspected terrorists, terrorist organizations, money launderers or other criminal organizations.


These security measures not only help prevent money laundering and fight financial support of terrorism, but help in the prevention of identity theft and other types of fraud.

How Does This Affect Your MSUFCU Account?


  • When you open an account, we will ask for your name, address, date of birth, Taxpayer Identification Number (usually your social security number) and other information that will allow us to identify you.

  • We may also ask to see your driver's license or other identifying document(s).

  • The law requires us to maintain records of the identification verification.


Please be assured that the same strict confidentiality of your information maintained by MSUFCU will be continued as required by the Gramm-Leach-Bliley Act and MSUFCU's Privacy Policy.

Contact us with any questions at (517) 333-2424 or 800-678-4968.



Over the last few years, you have probably heard about a lawsuit between credit card companies and merchants about fees. Effective January 27, 2013, merchants are now legally able to apply an additional fee to your credit card purchase at checkout.

Important for consumers to know:

  • Not all merchants will apply a surcharge, and they must communicate they are charging these fees prior to processing your credit card.
     
  • The merchant must report the exact dollar of the fee charged by printing it on your receipt as part of the transaction.
     
  • There are no surcharges on debit or prepaid cards - even if you select "credit" when using your debit card.
     
  • The surcharge rate cannot be more than 4% of your purchase.
     
  • This is not instituted by Visa or MSUFCU. It is a merchant agreement and would be applied directly by the merchant you are shopping with.
     
  • Visit www.visa.com/checkoutfees for more information.