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In the event your debit or credit card is lost or stolen, please report it immediately.

To report a lost or stolen debit card, please call Visa at (866) 876-0646.  

To report a lost or stolen credit card, please call Visa at (866) 651-6823 or (727) 299-2449 if you are international.

Verity uses a service that monitors our members’ credit and debit cards for fraudulent activity. You may receive an automated message, 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 (avilable 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. 

In addition, you can sign up for fraud text alerts for debit cards. If we detect suspicious activity on your account, you will receive a text message on your mobile device. You can respond to the text to let us know if you recognize the transaction or not. If you authorize the transaction, you can continue to use the card as usual. If you do not authorize the transaction, we will place a temporary block on the card. To enroll, fill out our debit card text alert form.

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, please fill out and submit the Credit Card and Debit Card Non-Fraudulent Dispute form.

You can also dispute charges online. For charges completed with your debit card, find the transaction in Digital Banking and click the "dispute" link to the right of the transaction. For credit card charges, find the transaction in the card management website or mobile app and click the "dispute" link. 

If you suspect fraudulent activity on your account, please contact us during normal business hours at (800) 444-4589 or (206) 440-9000. 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.

Want to place a free fraud alert on your credit report? Call one of the following credit bureaus:

Placing a fraud alert on your credit report is free and remains active for 90 days. After that period, the alert can be renewed.

Frequently Asked Questions