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MSU Federal Credit Union | Manage Your Visa Account | Fraud Management

Fraud Management


Protecting our members from fraud is a top priority for MSUFCU. To give you additional card security, we use the Visa Fraud Alert Management detection system which monitors your MSUFCU card activity to help identify and prevent fraudulent transactions.



If suspicious charges or transactions outside of your normal spending pattern appear on your card, Visa Fraud Alert Management will contact you by phone on behalf of MSUFCU to verify the charges.

To verify your identity, you may be asked to provide personal information such as address, birth date, and confirmation of the last four digits of your Social Security number. You will never be asked to provide your full Social Security number, Visa card number, account number, or PIN.

If Fraud Alert Management is unable to reach you directly, they will leave a message identifying themselves as Visa Fraud Alert Management calling to verify transactions made with your MSUFCU card. To ensure this call is legitimate, Fraud Alert Management will always provide 1-800-294-2147 as the toll-free call back number.

If we are unable to contact you regarding the suspicious charges on your MSUFCU Visa, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the charges are legitimate.

In an effort to further protect our members and reduce fraud, we are increasing our Visa security levels and analyzing each transaction for potential fraud. Visa transactions that are highly abnormal from your normal spending activity may be declined. 



For Example:
You make a purchase with your MSUFCU Visa at a local store and within two hours, a large international transaction tries to post to your Visa account.

Since it is unlikely that you traveled out of the country within this short period of time to make the international purchase, this transaction will be declined.



Although the Fraud Alert Management detection system is designed to detect abnormal activity on your Visa, it is possible that a legitimate purchase may appear suspicious and be declined. If this occurs, call the following numbers to verify the charges. Once your transaction is verified, you will need to process the transaction again.


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