Due to a recent security breach, members may have issues using debit cards at certain merchants. A security breach includes (but isn't limited to) a successful or unsuccessful hacking of a merchant database or merchant processor system (a company that processes card transactions for a merchant). Please note that the recent breach was NOT a breach of Northwest Georgia Credit Union database, but rather that of a merchant.
When a breach like this occurs, the credit union monitors ATM and debit card transactions to attempt to identify usage that is inconsistent with normal activity on your account. If we believe your ATM/debit card may have been compromised, or if we are notified by Visa ® that your information has been compromised, we may reissue you a new card as a precaution or to prevent further fraud. We will always notify you if we take any action on your account.
Please make sure always keep your phone number and contact information up to date, and let us know if you move or change your phone number so that we can contact you in the event of a breach. Also, please note that credit union staff members are currently working to contact those members we believe to have been affected by this most recent breach.
It is always a good practice to closely monitor all activity in your accounts. You may do so by calling our toll free TellerLine (1.855.UNBANK1) or by enrolling in Online Banking, free of charge. If you note suspicious activity in your account, please notify the credit union immediately by calling 706-291-9290 or visiting one of our branches.
You can reduce the risk of becoming a victim by following these safety tips; 1) carefully inspect devices before swiping your card, 2) store your card in a safe and secure place, and 3) never reveal your PIN to anyone, not even a credit union employee. Remember, credit union employees will never ask you for your PIN. Please know that ATM/debit card fraud is much different from other types of fraud and does not mean you will become a victim of identity theft.