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Card Compromise

Card Compromise

Credit Card Security Compromised

Your Texas Trust Credit Union MasterCard may have been compromised in a data breach at a US merchant or Processor.

This was NOT a Texas Trust security breach. However, Texas Trust has taken measures to minimize credit-based risk transactions. We encourage you to:

Review your account history and any recent statements for any unusual or unauthorized activity. If you notice any unusual activity, please report it to Texas Trust immediately.

Take advantage of eAlerts, online banking, and mobile banking, which help you monitor your account activity at no charge.

If you have questions or concerns, please review the FAQs provided or use the secure contact form below.

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Card Compromise FAQ

Q: What does card compromise mean?

A: Card compromise means that credit/debit card information may have been obtained by unauthorized individuals. Most compromises involve criminal activity, where an unauthorized person or persons gain access to a merchant’s or card processor’s computer system, sometimes referred to as ‘hacking’ into or installing ‘malware’ to capture data.

Q: Why are the limits lowered?

A: Daily limits are reduced for your protection and to reduce the risk of loss to you and the credit union. (Not applicable to credit cards)

Q: How do you know my card was compromised?

A: In most cases, the merchants report their suspicions of a possible security breach to legal authorities, and after some preliminary investigation, are able to determine what data was obtained. In some instances, based on the reported compromise period and merchant, we are able to identify transactions that fall within those parameters and determine which cardholders may be affected.

Q: Are we able to see where the compromise came from?

A: While some larger merchants and processors disclose to the media when they have identified a security breach, most remain undisclosed.

Q: Why are we not able to disclose the company where the compromise came from?

A: Merchant names may not be revealed due to an ongoing investigation. However, in large breaches where a well-known merchant is involved, they will usually disclose the information to the media.

Q: Why do we always have compromises and bigger banks don’t?

A: Compromises affect all institutions, whether large or small. While they each have their own guidelines and best practices to follow, we try to be proactive in replacing your card to reduce the risk of loss.

Q: Since my card was compromised, do I have to close the account?

A: No, it is not necessary to close your account.

Q: Did TXTCU get compromised?

A: This was NOT a Texas Trust security breach. Nonetheless, we are taking the necessary precautions to safeguard your account.

Q: Can I just keep the card that I have? I don’t want to have to close it and change everything to a new card number.

A: Keeping the same card number would only increase exposure to risk. We are taking this action to safeguard your account.

Q: How did they get my card number? Why does this keep happening to my account?

A: Payment card information can be obtained by unauthorized individuals gaining access to a merchant’s or card processor’s computer systems. Unfortunately, in today’s technology driven world, this type of criminal activity has become more and more common. Merchants and payment processors are exposed on a regular basis and no one can predict when it will occur. However, you can rest assured that Texas Trust Credit Union will work hard to protect your accounts and personal information, and with MasterCard’s Zero Liability policy, you can be confident that we will have your back if and when you incur any unauthorized transactions related to a compromise.

Q: How can I keep my account safe? Should I just stop using my debit/credit cards?

A: You should continue to use your card. MasterCard’s Zero Liability protects you from a financial loss if you have exercised reasonable care in safeguarding your card

Q: How do I cancel my card?

A: You may block your by calling 972-263-5171, and choose the option for Debit & Credit Card Services or you may block your card online at www.reportmycards.com.

Q: Can I cancel it now or wait on the replacement?

A: Yes, you may cancel your card now. If you do so, please stop by your local branch before the stated cut-off date specified in your compromise letter, and receive an instant issue card that you may begin to use immediately. If you do not replace your card by that date, one will be mailed to you.

Q: What if I don’t want to have my card blocked? Can I choose not to close my card?

A: Keeping the card unblocked would only increase exposure to risk. We are taking this action to safeguard your account.

Q: I believe I have fraudulent charges, what are my next steps?

A: Immediately report any unauthorized transactions by calling us at 972-263-5171 or by completing this form.

Q: There are other users on my credit card account; does this affect their card, too?

A: Not necessarily, each member has a unique card number. If their card has also been compromised, they too will receive a similar notification.

Q: What if I am leaving on a trip before the new card arrives?

A: Please stop by one of our branches where you will receive an instant issue card that you may begin to use immediately.

Q: What can I do to keep this from happening again?

A: Unfortunately, no one can predict when their payment card will be compromised. We strongly urge you to use our online and mobile resources and review transaction history often. You can also visit TexasTrustCU.org/Card Compromise for safety tips to protect your card.

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