Security and Fraud
Spirit of Alaska Federal Credit union is here to help if you’ve experienced fraud and you want to prevent it from happening again. Here are steps that we take to protect you, as well as some steps you can take yourself.
Lost and Stolen Cards
If your credit or debit card has been lost or stolen, please call Spirit of Alaska immediately. You can reach us during the work day at 1-907-459-5900. To report a missing card after business hours, contact 1-866-875-6807.
If you believe your debit or credit card has been compromised, contact Spirit of Alaska right away at 1-907-459-5900 during business hours, or 1-866-875-6807 after regular business hours. You can also visit any of our branches and speak to one of our Member Service Representatives during regular business hours. Spirit of Alaska requires you to fill out this form completely if you have found fraudulent transactions on your credit or debit card.
If you spot a fraudulent purchase on your bank statement for your debit card or credit card statement, you must report it within 60 days of the statement issue date. Once received, these requests can take up to 45 days for us to process them.
What Security Steps Does Spirit of Alaska Take?
We have taken the necessary steps to provide our members with state of the art security for viewing online banking transactions in e-Teller, our online banking application. We also take steps to ensure phone transactions are secure and identifiable. We monitor fraud trends by reviewing Visa transaction activity and take measures to reduce fraud as soon as a threat is identified.
Encryption is one of the primary online security methods used today. Designed to encode a message so it can’t be intercepted and read during transit, a Verisign™ Digital Certificate and your browser’s Secure Socket Layer (SSL) ensure 256-bit encryption of your banking transactions.
But just in case, we provide a member discount to LifeLock, which can help notify you of fraud activity on your accounts. In addition to Lifelock, here’s more information on how you can protect yourself.
Read more about our Online Security Steps that help keep our members, their transactions, and the credit union itself safe.
Phone scams are becoming increasingly sophisticated and frequent. To combat this trend, we take phone security very seriously. We will never request personal, identifiable information from you over the phone.
We STRONGLY RECOMMEND that you set a phone password. This will allow us to easily identify you, so we can quickly move on to serving your banking needs. Your phone password must be set in person at a branch with a member service representative.
If you do not have a password set (see below), our policy is to identify you with out-of-wallet questions (meaning, we do not ask about information that could be found on your drivers license or in your wallet).