Michigan Legacy Credit Union works with a premier fraud protection service to monitor activity on our member’s cards. To deter fraud, the credit union security service may block a card if suspicious card activity occurs. If things like unusually high purchase amounts, out of the ordinary merchants or uncharacteristic transactions originating in a foreign country are identified on your account, your card may be temporarily frozen.
When fraudulent card activity is suspected, you will be contacted immediately by a fraud analyst to verify the transaction. You will be asked to verify your identity, but never for your full social security number, card number or Credit Union account number. If the transaction is valid, subsequent purchases will not be blocked. If card activity cannot be verified, the transaction will be marked as suspicious and your card will be blocked.
In the event you plan on making a larger than normal purchase the Credit Union will work to assist in temporarily raising your limit to insure that your transaction will go through. (This only applies to purchases. Withdrawal limits cannot be raised).
Sometimes merchants do not have updated systems. If you card works everywhere else but one specific merchant this is probably the case. Contact the Credit Union, the situation will be reported to our card processor to see that the merchant is in compliance.