News & Events
Credit and Debit Card Compromise at Target®
December 19, 2013
We were recently notified of a potential compromise at Target® for customers that made purchases in stores between November 27th and through December 15th, 2013. Cards affected are only for those used at the physical stores, and not for online purchases.
Please be assured that AmeriCU’s systems were not compromised. We have the highest level of security possible and take every precaution to safeguard and protect your accounts and personal information.
What does card compromise mean?
A card compromise means that credit or debit card information may have been acquired by an unauthorized source. In most cases, the breach occurs at a location that accepts or processes card transactions such as merchant terminals or card processor’s computer systems.
What kind of information was obtained?
Target® has said that information such as customer names, card numbers and expiration date and CVV security codes was stolen. Confidential information such as social security numbers, driver’s license numbers, addresses, and dates of birth are not stored on cards.
Could AmeriCU have prevented this incident?
AmeriCU has no control over how a merchants store customer’s information. Every merchant has an obligation make every attempt to protect the customer’s information by ensuring their system is secure. We recommend that you monitor your account and card activity online frequently. If you notice any suspicious transactions, please contact the credit union immediately.
What action is AmeriCU taking?
Immediately upon notification, AmeriCU has decided to be proactive rather than wait for VISA® and MasterCard® to provide the affected accounts. If you feel your debit card may have been compromised because
- If you used your VISA® debit card at Target between the dates of November 27th and through December 15th, and feel it may have been compromised, please contact us at 1.800.449.7728 so that we can close your debit card and have a new one issued. AmeriCU will waive the replacement fee for our members if you meet the criteria above.
- If you used your VISA® credit card at Target between the dates of November 27th and through December 15th, and feel it may have been compromised, please contact us at 1.800.449.7728 so that we can close your credit card and have a new one issued. There is no fee to replace your credit card.
- If you used your MasterCard® credit card at Target between the dates of November 27th and through December 15th, and feel it may have been compromised, please contact us at 1.800.449.7728 so that we can close your credit card and have a new one issued. There is no fee to replace your credit card.
Once AmeriCU is notified by VISA® and MasterCard® with the card accounts that have been identified as compromised, we notify those members affected by mail. New cards will be issued at no charge to our members affected by the compromise.
Please note: AmeriCU will NEVER contact you by phone or email and ask you to verify your account details such as debit or credit card numbers, social security number, and/or passwords. If you receive such an email/text message, please contact us immediately and do not provide any information to the sender.
AmeriCU Credit Union is committed to offering safe and secure financial services. It’s important that you keep your contact information updated at all times so we can reach you if needed. Please remember to let us know if your address, email or phone number changes. You may update your email address online, use our Big Blue Kiosks to update your address or contact us by phone at 1.800.388.2000 to update all of your contact information.
What if my card is blocked and I have pre-authorized debits made to my compromised card?
Please contact the merchants upon receipt of your replacement card and provide them with the new card information. It is important that you do this so that you do not experience any service interruptions. You may even be able to complete this online on the merchant’s website.
What about other pre-authorized users on my Debit Card account?
Each debit card has a unique number. Therefore, if one card is compromised, that doesn’t mean the other user’s card on the same account is compromised as well. We strongly recommend monitoring all accounts and report any suspicious transactions immediately.
Should you have additional questions or concerns, please contact us at 1.800.388.2000.