Lost/Stolen Card

Lost or Stolen Card

What to do if your cards are lost or stolen

Losing your debit or credit card can be frustrating. Don't worry, we're here to help. If your card is lost or stolen, notify Ideal CU immediately. In the case of a stolen card, notify the police department as well.

For Ideal Credit Union Debit Cards

Business hours call 651-770-7000
After hours call 800-472-3272

For Ideal Credit Union Visa Credit Cards

For 24 hour cardholder service call 866-820-4872

To obtain assistance while traveling, contact the Visa Assistance Center:

Domestic: 800-VISA-911
International: (collect) 410 581-9994

Helpful Information

I lost my card – what do I do?

Am I responsible for fraudulent charges?

Your maximum liability under federal law for unauthorized use of your credit card is $50. If you report the loss before your credit cards are used, federal regulation says the card issuer cannot hold you responsible for any unauthorized charges. If a thief uses your cards before you report them missing, the most you will owe for unauthorized charges is $50 per card. Also, if the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use.

Review Our Lost/Stolen Wallet Checklist

After the loss, review your Ideal CU credit card or checking account statements carefully. If they show any unauthorized charges, document each questionable charge and contact Ideal CU right away.

Protecting Your Cards

For Credit or Debit Cards

Be cautious about disclosing your account number over the phone unless you know you're dealing with a reputable company.
Never put your account number on the outside of an envelope or on a postcard.
Draw a line through blank spaces on charge or debit slips above the total so the amount cannot be changed.
Save your receipts to check against your monthly statements.
Cut up old cards - cutting through the account number - before disposing of them.
Open monthly statements promptly and compare them with your receipts. Report mistakes or discrepancies as soon as possible. Ideal CU will investigate errors reported to them within 60 days of the date your statement was mailed to you.
Carry only those cards that you anticipate you'll need.

Tip: Plug the numbers from your credit and debit cards into your phone. When the cards are lost or stolen the number on the back of the card doesn't do much good.