Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Transcend Credit Union

Fraud Alert


Transcend Credit Union is committed to protecting you from debit and credit card fraud by continually improving our fraud prevention and detection measures. We continue to provide our members current information and notices to ensure our fraud prevention is working.

Due to industry provided fraud trends, Transcend CU often has blocked "signature-based" transactions in selected parts of the U.S. and abroad. These locations can change frequently so it is best to contact us if you plan to travel in the near future to see if your destination is listed.  Although "blocking" may be an inconvenience to our members, it is a "best practice" in protecting our member's accounts and identities from fraudulent activities.

  • Certain types of merchants have a higher risk potential for debit and credit fraud. 
    Should you try to process a debit card transaction as "credit" and the transaction is declined (even though you have sufficient funds), reprocess the transaction as "debit" and use your PIN. 

  • If you're traveling and don't know your "Personal Identification Number", aka PIN, please request one BEFORE you travel.  It's a security feature to  protect you and the Credit Union against Fraud Loss.
  •   Do not share your pin with others and keep your card in a safe place at all times.
  • It is always a good idea to carry at least two forms of payment, such as your SmartCash Visa Debit Card and your Transcend Prestige Visa, so that you have multiple payment options.
  •  Make sure Transcend CU has good contact numbers for you in the event our Plastic Card Services team members have questions about a transaction against your card. 
 If you experience problems with your cards, please contact us right away at (502) 459-3000/ (800) 292-9490 during normal business hours or contact our after-hours Plastic Card Services Decline line at (888) 526-0404 so that we can ensure you have access to your accounts.