Card Fraud FAQs
Card Support
Answers, controls, and protection—when you need them. That’s a plus.
Find quick answers about your TBACU debit and credit cards, including features, limits, security, and fraud protection. Whether you’re managing your card or addressing a concern, we’re here to help.
Quick Actions
Debit Card
Everyday access to your money
A payment card that allows you to access funds directly from your TBACU checking or savings account for purchases and withdrawals.
Follow the instructions provided when you receive your card.
You can change your PIN at any TBACU ATM or branch during business hours.
Lock your card immediately using Card Control in the TBACU Mobile App, then contact the Service Center at 231.946.7090. After hours: 1.800.325.3678.
- Standard shipping: 7–10 business days
- Expedited shipping: 2–3 business days (fee: $30; overnight available in some cases)
Each debit card purchase rounds up to the nearest dollar, and the difference is transferred to your savings account. Example: $4.50 + $10.90 + $6.30 → $1.30 saved.
Sign up via Online Banking (Your Offers) or Mobile App (More section).
Yes. All TBACU debit cards are compatible with these digital wallets.
Card Features & Controls
Manage your card with confidence
Does TBACU offer Card Control?
Yes. You can:
- Lock/unlock your card
- Report a card lost or stolen
- Set alerts for foreign or card‑not‑present transactions
- Set dollar amount alerts
Can I stop or remove a pending debit card transaction?
No. Once a transaction is pending, it cannot be stopped or removed. If you see any charges, you do not recognize or need to dispute, contact us directly at 231.946.7090.
Limits & Fees
Clear details to help you plan ahead.
Security
Built-in protection you can trust. That’s a plus.
TBACU monitors transactions for unusual activity and may contact you by text, email, or phone. We will never ask for personal information through these alerts. If you have concerns, contact us directly at 231.946.7090.
Credit Card
Everyday access to your money
A hassle-free card with no annual fee, ScoreCard Rewards, digital wallet compatibility, and strong fraud protection.
Apply online through TBACU VISA Credit Cards or visit a branch.
- International Transaction Fee: 1% of each transaction
- Cash Advance Fees: Assessed immediately; interest accrues daily until paid in full
- Non-TBA ATM/ITM Fee: $1.00
- Standard Shipping: 7–10 business days via USPS; PIN arrives separately.
- Expedited Shipping: $30 fee; 2–3 business days via UPS (signature required). Overnight available in special cases.
- Alternate Address: Cards can be mailed to a branch or alternate address upon request. Contact us at 231.946.7090.
Lock your card immediately using Card Control in the TBACU Mobile App, then contact the Service Center at 231.946.7090. After hours: 1.800.325.3678.
TBACU has a debit/credit card fraud monitoring service that will reach out to you via text, email, or phone call if there is a transaction that looks unusual. They will never ask for your personal information. If you have concerns, please contact us at 231.946.7090.
Yes, please notify TBACU before traveling outside the U.S. to ensure card accessibility. Call 231.946.7090 or submit a Travel Notification Form. 24/7 assistance: 1.800.543.5073.
Request an increase via Live Chat or call TBACU directly at 231.946.7090.
Still need help?
Call or text 231.946.7090 during business hours, or reach 24/7 support at 1.800.325.3678. You can also manage your card, set alerts, and report issues through the TBACU Mobile App.
