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Fraud Protection

You don’t seem like the type to drop $30,000 on gym equipment — and we mean that in a good way.

We know you and your spending habits (don’t worry, we won’t tell your significant other anything) — so when we see a charge made to your credit or debit account that doesn’t seem quite right, we’ll bring it to your attention immediately. And if you didn’t make it, we’ll correct the situation. And you owe nothing. That should get you pumped up.


Your card is protected and monitored:

  • VISA® zero liability. You are protected from unauthorized charges — simple as that. If any funds are taken from your account due to fraudulent use of your card, you will be refunded that money.
  • 24-hour fraud monitoring. Our ATM/Debit Fraud Center uses industry-leading technology to help prevent account fraud. If an ATM transaction or debit card purchase looks suspicious, we’ll call you to verify that the card is being used by you. If we are unable to reach you, our Fraud Department may send you a text alert.

What if you notice a fraudulent charge or want to file merchant dispute?

  • Step 1: Confirm with any other cardholders on the account that the transaction in question was not authorized by them. In the case of a merchant dispute (such as a quality of service issue or an issue with billing), you must first try to resolve the issue with the merchant.
  • Step 2: Contact one of our Plastic Card Specialists at (732) 225-1505 ext. 297. In the case of a fraudulent charge, we will freeze your card to stop any further unauthorized transactions from posting to your account.
  • Step 3: We will provide you with a Dispute Packet to be completed. A police report may be required.
  • Step 4: Once we receive the completed Dispute Packet from you, we will then provisionally credit your account for the amount of the transaction in question.

Taking steps to protect yourself from potential fraud is easy and will be worth it in the long run.

When it comes to keeping your personal and financial information safe, it’s important to be proactive. Follow these tips to help protect yourself from fraud and identity theft.

  • If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call. Then contact the company using legitimate sources such as a contact phone number found on the company’s website or your account statement as well as those listed on your ATM, debit or credit card.
  • If you have access to Pinnacle’s free online banking and mobile app to monitor your account, you can reduce paper statements by signing up for Bill Pay and eStatements.
  • Keep your Social Security card and passport in a safe place. Do not carry them with you unless absolutely necessary.
  • Limit the amount of identifying information, including credit cards, you carry.
  • Shred all financial information, such as unsolicited convenience checks, applications and bank statements.
  • Do not give out information by phone, unless you initiated the call or know the person.
  • Pay attention to billing cycles and follow up if bills don’t arrive on time.
  • Report a lost or stolen debit or credit card to Pinnacle FCU immediately. We will block the card so no purchases will be authorized.
    • Lost/Stolen Pinnacle Visa® Consumer Credit Card: (800) 558-3424
    • Lost/Stolen Pinnacle VISA® Business Credit Card: (800) 552.8855
    • Lost/Stolen Pinnacle Debit or ATM Card: (833) 933-1681
    • Lost/Stolen Debit or ATM Card outside the U.S. call collect: (812) 647-9794
  • Closely guard your ATM Personal Identification Number (PIN) and ATM receipts.