Card Fraud Protection
If you have a credit or debit card with Honor, you are automatically enrolled in our free card protection program, and we work hard to catch fraud before it happens. On this page you will find other options to protect yourself from fraud, from text and call alerts, to card control options, and more!
Preventing Fraud Is Our Priority
Text &
Call Alerts
Mastercard
Protection
Card
Control
Card
Support
Text & Call Alerts
To help protect your money, when fraudulent activity is suspected on an account, no matter if it’s your credit card or debit card, your transaction may be declined (although some lower risk transactions might go through).
How We'll Reach Out
- Text Message - You’ll receive free text alerts 24/7 anytime possible fraud is identified. If you recognize the transaction and authorize it reply “YES”, otherwise reply “NO.”*
- Voice Message - When your primary contact number is a landline, you’ll receive voice call alerts between 9 AM and 9 PM in your time zone. You’ll be prompted to answer questions during the call to confirm the transaction or you will be transferred to a representative if the transaction was not recognized.
- Email - If we cannot reach you after several attempts, an email will be sent to the address on file explaining why your card was blocked.
* SMS/Text is free to members with mobile service through Verizon, AT&T, or Sprint. Other usage costs may apply based on your mobile carrier.
MasterCard Protection
Honor Credit Union and MasterCard are committed to identity protection and fraud detection to keep your personal information safe. Honor MasterCard holders can sign up for free services such as theft alerts, emergency card replacement, and resolving issues associated with identity theft and fraud.
Manage My Cards
With the Manage My Cards feature in the Honor mobile app, you are in control of your cards and the activity on your cards. From the ability to turn your cards on and off, receiving real-time transaction alerts, to redeeming credit card reward points and viewing spending insights, Manage My Cards is a feature worth using!
Real-Time Alerts
Receive real-time mobile app alerts or email notifications every time your card is used.
Reset Your Pin
Within Manage My Cards, you can easily reset your pin to keep your account safe and secure.
Turn Cards On/Off
You’re in control! Quickly and easily immediately turn your card(s) on/off with just the swipe of your finger.
Manage Travel Plans
If you’re travelling out of state or internationally, notify us within Manage My Cards to make sure your card(s) are not restricted during your trip.
Redeem Reward Points
Members with reward-eligible credit and debit cards can redeem reward points without the need to enter separate username/password.
View Spending Insights
Develop healthier spending habits or simply keep track of card usage by quickly seeing how, when and where you spend.
How To Enable Card Control
Enrollment only takes a few minutes using the mobile app or online banking portal.
- Mobile App: Manage My Cards, can be found under the “More” menu or the sub-menu of any active checking account or credit card.
- Online Banking: Manage My Cards, can be found under the “Member Services” menu at the top of your screen.
Card Support
Important Numbers
Voice Banking
- Voice Banking: 866.267.4348
MasterCard Debit & Credit Cards
- Card Activation: 833.681.3386
- Lost or stolen card: 833.933.1681
Out of the Country Emergency Numbers*
- Lost or stolen card: 833.933.1681
* Collect calls are accepted
Travel Information
- If you’re planning an international trip, keep us informed by stopping by a branch or giving our contact center a call at 800.442.2800 to let us know to expect transactions from your desired destination.
- Beware of blocked and sanctioned countries. For a current list of these countries check out the Office of Foreign Asset Control (OFAC) of the US Department of Treasury’s list. If the country you are visiting is on this list, ALL card activity will be blocked per the requirement from OFAC. On occasion, Honor Credit Union may block countries in addition to those listed on the OFAC list, but should there be additional countries, they would be listed here.
Fraud Protection
- If you suspect fraud you can turn your card off instantly from within the Honor mobile app.
- Honor debit and credit card holders are automatically enrolled in our free card protection program. Cardholders can sign up for additional free MasterCard fraud services.
- If we suspect fraudulent activity, the transaction will likely be declined and your account will be blocked to prevent further harmful activity. We will attempt to notify you as quickly as 30 seconds after a suspicious transaction takes place.
Fraud Protection Tips
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Looking Ahead: Securing the Future of Internet-Connected Devices
Learn how to protect your privacy, data, and homes with your devices that connect to the internet.
AI Voice Impersonation Scams: What You Need to Know Now
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Frequently Asked Questions
- Fraud means that someone made a transaction without your permission or knowledge.
- A dispute means you authorized the transaction – but there’s a problem – for example, you didn’t receive what you paid for or you were charged incorrectly.
If you don’t recognize a charge:
- Double check with any joint owners or authorized users on the account to be sure they did not authorize the transaction.
- Review subscriptions or recurring payments and validate that the description did not change.
- Review any purchases you might have made and made sure it’s not just a different description than what you were expecting.
- If it’s still unfamiliar, contact us right away – we can help determine if it’s fraud or a merchant dispute.
If you made the purchase but something went wrong (wrong amount, no delivery, poor quality, etc.)
- Your first step is to contact the merchant – many issues are resolved this way. Your goal is to get the merchant to make this right – since it is their error. If the merchant does not make it right, we can file a dispute.
- Contact us via online banking dispute form, call the Contact Center, or stop by a branch location to fill out the dispute paperwork. You will need details of the transaction, receipts, and copies of communications with the vendor – if you interacted in writing.
- You can submit a form through online/mobile banking;
- Call the Contact Center; or
- Stop into a branch location.
- You can lock your card using the card controls in the app as a quick temporary solution. This is available 24/7 – 365.
- You can call the number on the back of your card to block it. This is available 24/7 – 365.
- You can call the contact center during normal business hours to block your card.
- You can stop into a branch during normal business hours to block your card.
We typically provide provisional credit within 10 business days while we investigate. The full investigation may take up to 45-90 days, depending on the transaction type.
For most debit card fraud claims, we issue a temporary (provisional) credit while we investigate. If the claim is found valid, the credit becomes permanent.
We will review the transactions, file a claim, and keep you updated by mail or secure message.
- Set up Card Alerts in “Manage Cards” on mobile/online banking.
- Review your transactions regularly.
- Never give out your card number, PIN, or one-time codes with anyone.
- Use only secure websites and avoid saving card details on public devices.
- If it’s still unfamiliar, contact us right away – we can help determine if it’s fraud or a merchant dispute.
Report immediately!
- Call the number on the back of the card.
- During business hours call the Contact Center.
- Lock your card in Manage Cards in online/mobile banking and stop into a branch to permanently block your card and get a new one.
Yes, you will still have access to your account. If the claim is related to fraud, you will be required to get a new debit or credit card.