Apply for a Loan

Stolen or lost card?

Verified by Visa

Visa’s ZERO Fraud Liability policy

Shop worry-free.

Every UCCU Visa is backed by Visa’s ZERO Fraud Liability policy, which is UCCU’s guarantee you won’t be held responsible for any unauthorized charges if your card is lost or stolen.

So you can shop easy, anywhere Visa is accepted, worldwide. 


Report suspicious charges immediately.

If your card was lost or stolen, or if you suspect you’re a victim of fraud or identity theft, contact UCCU IMMEDIATELY to put a hold on your card account. 

Report any unauthorized charges to UCCU at 800-453-8188.      

Or send us an email [email protected]
Or send us a message from inside online banking. 

Get quick resolution.

Once you have reported an unauthorized transaction covered by Visa’s Zero Liability Policy, UCCU will investigate so you can have the issue corrected quickly.

  FAQ’s on Replacement Funds

Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by UCCU based on the following:

  • Gross negligence or fraud
  • Delay in reporting unauthorized use
  • Investigation and verification of claim
  • Account standing and history
  • The transaction-at-issue must be posted to your account before replacement funds may be issued

*Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. UCCU cardholders must use care in protecting their card and notify UCCU immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact UCCU at 800-453-8188.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00am – 6:00pm
Sat: 9:00am – 2:00pm

Send an Email

[email protected]
Or send us a message from inside online banking.

Stop by a Branch

Find a Location