Elevations Visa® Card Fraud and Disputes

To report fraud or dispute a transaction, please call 888.346.4412.

We work hard to keep your information and accounts secure. In fact, our fraud monitoring service keeps an eye on your accounts 24/7 for potentially fraudulent activity. However, please keep an eye on your statements, and if you see any transactions you don’t recognize — or if you were unfairly charged by a merchant — call us as soon as possible at 888.346.4412.

Please note that all disputes must be received within 60 days of the statement on which the disputed item appears. If your disputed transaction is past that timeframe, you will need to resolve the matter directly with the merchant.

At Elevations, keeping your accounts secure is our top priority.

How we keep your accounts secure


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How you can keep your accounts secure


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Fraud text and email alerts


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Frequently Asked Questions


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How we keep your accounts secure

  1. Fraud Monitoring
    We always watch for suspicious account activity. And now, with our free* fraud text and email alerts, you’ll be notified anytime your credit or debit card has suspected fraudulent activity. Learn More
  2. Visa Zero Liability
    With Visa Zero Liability, you won’t be held responsible for unauthorized charges made with your card or account information. Learn More

Please ensure your phone number and email address are up to date so we can reach you if necessary. You can update this information by logging in to online banking or calling us at 800.429.7626.


How you can keep your accounts secure

  1. Set up account alerts to help monitor your account activity.
    • Card Alerts – Set up Card Alerts to monitor your card activity. You can lock your cards with the swipe of a button, set the terms for when and where your cards are used and get activity alerts to stay informed. Learn More
    • Text Alerts – Set up text alerts to monitor your deposit account activity by logging in to online banking, selecting the account you want to set the alert for and clicking “Set text message alerts.”
  2. Ensure your contact information is up to date visiting My Settings in online banking or the mobile app, or by calling 800.429.7626.
  3. Opt for paperless statements to lower the risk of documents ending up in the wrong hands.

Please remember that we will never ask you for your PIN or any other personal information over the phone or via email. If you are unsure about whether an email, phone call or text message is actually from Elevations, please call us at 800.429.7626.

Click here to learn more about how we keep your information and accounts secure.


Fraud Text & Email Alerts

As an Elevations member, you are automatically enrolled in our complimentary* 24/7 fraud text and email alerts service. That means you’ll be notified anytime there’s suspected fraudulent activity on your credit or debit card. While we have always monitored your accounts for fraud, this new feature allows us to confirm account details with you no matter where you are.

How it Works

  1. Your cards are continuously monitored for transactions that occur outside of your normal banking activity.
  2. If your Elevations card is suspected of having fraudulent activity, you will receive a text or email message from Elevations.
  3. Respond to the text or email to confirm or deny your activity.
  4. Don’t want to receive these text or email alerts? You can always opt out of text message by replying STOP or opt out of emails by clicking “Unsubscribe.”

In order to receive these alerts, please ensure your phone number and/or email are up to date so we can reach if you necessary. You can update this information by logging in to online banking or calling us at 800.429.7626.


Frequently Asked Questions

Why do I have a fraudulent transaction?

When can I dispute a transaction?

How long will it take to resolve a Visa dispute or fraud?

How can I research Visa purchases appearing on my statement?

When will I receive reimbursement for a disputed or fraudulent Visa charge?

Why do you post fraudulent or unauthorized Visa charges?

My card was lost or stolen, and I received a reissued card. Did my PIN stay the same?

How do I report fraud or dispute a charge on my HSA debit card?

What are fraud text notifications?

How do I enroll in Elevations Fraud Text Alerts?

Can I enroll more than one card in Fraud Text Alerts?

What happens when I receive a Fraud Text Alert?

How do I opt out of receiving fraud notifications via text?

Why does Elevations send text fraud notifications to its members?

What happens if Elevations does not have my mobile number on file?

Will I be charged for receiving the text message?

Are text and email notifications subject to any after-hours limitations?

What if I get a new mobile number?


* Your carrier’s messaging and data rates may apply.

Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

© Elevations Credit Union. All Rights Reserved. Routing# 307074580
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency