local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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What is a Compromised Card?

Receiving a letter that your debit or credit card has been "compromised" can be unnerving, to say the least. Unfortunately, this type of fraud is on the rise.

Still, a compromised card letter does not mean any fraudulent activity occurred on your account. By notifying you, United Bay Community Credit Union is taking every precaution to ensure your account data is handled with the highest level of safety and security.

By definition

A compromised card means that information (e.g., card number, name) may have been obtained by an unauthorized source. United Bay Community Credit Union’s systems were not compromised. In most cases, the breach occurs at a location that accepts or processes card transactions (e.g., merchant terminals, transaction processors or phishing).

Some considerations

If United Bay Community Credit Union receives a report that your card information is compromised, we will take every step to ensure the security of your card. In some cases, we will reissue your card with a different number. In addition to the new card, we will send you an explanation letter with helpful frequently-asked questions.

Here are some additional considerations:

  • United Bay Community Credit Union is not given any details on when or where the compromise occurred
  • Not all cards on an account may be impacted, as each member has a unique card number
  • In order to ensure you are not inconvenienced, the old card remains active for a period of time
  • Once activated, you can use your card immediately for signature (press Credit) transactions
  • Your PIN will arrive in two to three days; or, you may visit a branch to select your own PIN
  • If you have automatic debits set up for that particular card number, you will need to contact the payees and provide the new card number and expiration date
  • If United Bay Community Credit Union ever suspects fraudulent activity on your account, our Fraud Prevention Services department will contact you to analyze any unusual activity

Taking action

The most important step is to activate your new card immediately, via the phone number provided on the sticker on the front of your card.

United Bay Community Credit Union strives to offer you safe and secure financial service solutions. In particular, we monitor account activity, identify trends, work to reduce or restrict activity and reissue cards, when needed.

As a reminder, if you ever suspect fraudulent activity on your account, please call (989)892-4597 or (800)968-7696


Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

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