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Home - Baylands Family Credit Union

Card Issues

Card trouble? We’ve got you covered.

ATM & Debit Card Activation & PIN Support

Settings for your cards in the Baylands Credit Union App. This image in particular is pointing out Report Lost or Stolen Cards and Set Pin options.

For ATM Cards, call 1-800-567-3451 and for Debit Cards, call 1-800-992-3808, from the home phone number listed on your account. Or utilize Card Control in BFCU Online or Mobile App Banking.

Lost or Stolen Debit Card

To report your Baylands Family Credit Union debit card lost or stolen, call the credit union as soon as possible during regular business hours. After hours or on the weekend, please call 1-800-472-3272 to report your card lost or stolen. Or utilize Card Control in BFCU Online or Mobile App Banking.

Fraud or Dispute

Members often reach out to the credit union, unsure whether they should file a debit card fraud claim or a merchant dispute. The key difference is simple: it depends on whether you, as the cardholder, authorized the transaction with the merchant in the first place.

Disputes

If you deliberately made a transaction that doesn’t appear correct on your account, you should first attempt to resolve the dispute with the merchant. If you are unsuccessful at resolving the dispute with the merchant, you will need to complete a Unauthorized Transactions Dispute Form. Once the form is completed, we will submit the dispute on your behalf to VISA. VSA will make a final determination as to whether we can charge back the transaction to the merchant for your purchase. If we can charge back the transaction, you will be reimbursed for the purchase. However, if we cannot charge back the transaction, you will not be reimbursed. Please be advised that once filed, disputes can take up to 30 to 45 days to be resolved.

Examples of Disputes

  • Used your debit card to reserve a hotel room and cancelled with the hotel in accordance with their cancellation guidelines, and you were still charged for the room.
  • Purchased an item using your debit card, and later returned the item to the merchant, but your card was never credited for the return.
  • You were charged an incorrect amount for a transaction, for example $400. Rather than $40.

Signed up for “Free Trial” and forgot to cancel when trial period ended

Fraud

A Fraudulent transaction occurs only when you have no knowledge of who used your card and you can state with certainty that you were not aware of the transaction. It is critical that you notify us immediately if you detect fraudulent debit card transactions on your account.  You will need to complete a Fraud Cardholder Dispute Form, which will also need to be notarized before being submitted.

Credit Card

If your BFCU VISA Credit Card is lost, stolen, or shows signs of fraud, call VISA immediately at 1-800-808-7230. Need a replacement? Stop by your local branch or give us a call at 888-843-2520 or 804-843-2520, and we’ll get a new card issued for you.