Report a lost or stolen card
In the event your debit or credit card is lost or stolen, please report it immediately.
Call (206) 440-9000
or (800) 444-4589 and select the menu option for either “credit card related requests” or “debit card related requests”.
If you have misplaced your credit card, you can also “turn off” the card or report it as lost via Verity’s credit card mobile app (available for Apple and Android devices).
Card fraud monitoring
Verity uses a service that monitors our members’ credit and debit cards for fraudulent activity. You may receive an automated message from our partner, PSCU, directing you to call a number to verify charges they suspect are fraudulent. Please note that large purchases or transactions conducted outside of your normal geographic area may prompt a notice even if it’s you making the purchase. If you are ever unsure about whether the call is legitimate, you can respond to the automated message by calling Verity directly and following the prompts to the debit or credit card menus.
Verity's credit card app (available for Apple and Android devices) also allows you to turn your card "on" or "off", helping give you peace of mind if you temporarily misplace it.
You can also sign up for Visa Purchase Alerts for your credit or debit card to help you track your transactions and know when someone uses your card without your permission. Sign up for Visa Purchase Alerts at visa.com/purchasealerts
Disputes and Fraudulent Activity
Even with card monitoring, sometimes fraudulent transactions and double charges make it through. Know that you are protected by Visa’s Zero Liability Policy and won’t be held responsible for unauthorized charges.
To dispute a charge completed with your debit or credit card, the easiest way is to let us know through Digital Banking.
- Debit card charges: find the transaction in Digital Banking and click the "dispute" link to the right of the transaction.
- Credit card charges: find the transaction in the card management website or mobile app and click the "dispute" link.
If you don’t have Digital Banking access, you can also fill out and submit the Credit Card and Debit Card Non-Fraudulent Dispute form.
If you suspect fraudulent activity on your account, please contact us during normal business hours at (206) 440-9000
or (800) 444-4589. You will also need to fill out and submit the Fraudulent Card Transaction Dispute form as soon as possible. If you suspect the fraudulent activity was done through an ATM, please fill out and submit the Affidavit of Unauthorized ATM/Debit PIN Transactions form.
How Much am I Liable for?
If you report the card stolen within 48 hours, you will not be liable for any charges. Even if someone uses your credit card before you can report it, there is no liability.
If you wait longer than 48 hours, you may be liable for up to $50.00.
How Much Does it Cost to Replace a Card?
There is a $6.00 fee to replace a lost or damaged card. We will waive this fee if the card or card number was stolen.