Fraud and Protection

Zero Liability Fraud Protection

Provident accounts come with our Zero Liability Fraud Protection Guarantee. You will be reimbursed 100% for any unauthorized electronic transactions made on your account at retailers, ATMs, online banking, telephone banking, or mobile banking.⁰⁰⁷ You are automatically covered when you report the incident within 2 days of your Visa debit or credit card being lost or stolen, or 60 days for non-debit card transactions, and meet all of your responsibilities with us as follows:

Online Banking⁰⁰¹

• Ending your online banking sessions by clicking the sign off button and closing your browser.

• Using a firewall and up to date antivirus and antispyware software.

• Selecting and maintaining control of your password, keeping it confidential and never sharing it with anyone. Provident is not responsible for unauthorized online banking account access or losses due to you disclosing your password either voluntary or involuntary by improper or careless handling or storing of your information.

• Contacting us immediately if you suspect your account(s) or password has been compromised and/or if there is unusual or suspicious account activity that you didn't authorize. You can report an incident by calling (800) 632-4600 during regular business hours or sending a secure message within online banking at any time.

• Not clicking on links in emails or text messages of possibly falsified origins and then entering passwords, credit card numbers, personal identity information (date of birth, social security number, member number, etc.), or other sensitive information. Provident Credit Union will never ask you for your account password or PIN.

• Reviewing and verifying your account statements, and reporting any errors or omissions within the time period as outlined in Provident's Billing Error Rights and Electronic Funds Error-Resolution Notice⁰⁰².

Visa Debit Cards¹¹⁹

• Exercise reasonable care against loss or theft of your card and personal identification number (PIN).

• Your account is open, in good standing and not overdrawn.

• Reviewing and verifying your account statements, and reporting any errors or omissions within the time period as outlined in Provident's Billing Error Rights and Electronic Funds Error-Resolution Notice⁰⁰².

• Contacting us immediately if you suspect your account(s) or PIN has been compromised and/or if there is unusual or suspicious account activity that you didn't authorize. You can report an incident by calling (800) 632-4600 during regular business hours or sending a secure message within online banking at any time. You may also report your card lost or stolen any time by calling (888) 918-7773 for debit cards, or (866) 820-4879 for credit cards.