HELP CENTER: CARDS

Frequently Asked Questions

Plastic comes in all varieties. We offer debit cards with our checking accounts, credit cards and even prepaid gift or travel cards to help you manage your spending.

Fortress Union Bank Debit Cards

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Card Security

  • How do I report a lost or stolen card?

    Fortress Union Bank Debit Cards

    If you have lost your debit card or suspect that it has been stolen, immediately report it. Learn more here.

  • Can I temporarily suspend my debit card?

    Yes. Your Fortress Union Bank Mobile Banking app lets you activate or deactivate your debit card as needed at any time of the day or night.

    For example, if you think you’ve just misplaced your card or forgot it at a restaurant, you can simply disable the card until you can confirm its whereabouts. You can also temporarily disable your card if you suspect theft—just make sure you report suspicious activity to us immediately.

  • Does Fortress Union Bank monitor for suspicious debit card activity?

    Yes, we closely monitor fraud trends and card activity in order to identify various factors that may be indicative of fraudulent activity.

    If we detect something suspicious, you’ll receive an alert (email, text and/or phone) from the Fortress Union Bank Fraud Center which gives you a chance to confirm whether the transaction is authorized.

    If you call back using a phone that didn’t receive the original alert, you’ll need to verify your 16-digit card number.

    This is a free service for all account holders that doesn’t require any type of sign-up.*

    Click to learn more about real-time fraud monitoring

    *Message and data rates may apply from your wireless carrier.

  • Will I recognize the fraud alert sender?

    Probably not. However, the Fortress Union Bank Fraud Center will send text alerts from text code 86975.

  • Are chip cards more secure?

    They most definitely are. Unlike magnetic-stripe cards that store static data, chip cards (a.k.a EMV cards) generate a one-time pass code for each transaction. Think of it as a digital handshake between the chip and the card reader that changes with each transaction. This means fake or rigged card readers and malware-infected terminals can’t do anything with the data they steal. Additionally, chip cards are much more difficult to replicate or counterfeit.

  • Can I change my PIN?

    Yes!   If you know your current PIN, call the audio change line 833.681.3478 from a touch-tone phone. You must know the current PIN in order to change it using the automated system.

    If you don’t know your existing PIN, call Fortress Union Bank Customer Support team at claimsdept@fortressunion.com or visit a Fortress Union Bank location to request help changing a debit card PIN.

Travel

  • I’m traveling soon and I’m not sure what I’ll be able to access while I’m away. Can you help?

    Even when your money is out of site, it’s never fully out of mind. With online banking, you can access and manage your account from just about anywhere. Your mobile banking app is accessible from most U.S. locations and some foreign countries.

    When you know you’ll be traveling domestically or internationally with your debit card, call claimsdept@fortressunion.com or complete this travel notification form to indicate where and when you’re traveling.

ATMs

  • What ATMs can I use without paying fees?

    Money Pass LogoFortress Union Bank has made tens of thousands of fee-free ATMs available to customers nationwide through the MoneyPass network.

    Find an ATM without transaction fees near you.

  • Does Fortress Union Bank reimburse me for out-of-network ATM fees?

    Need to use a non-network ATM network in a pinch? No sweat! Great Rewards Checking customers get non-network ATM fee reimbursements up to $20 per statement cycle.

  • Can I add Courtesy Overdraft Protection to my Debit Card?

    By default, Fortress Union Bank Courtesy Overdraft Protection does not cover ATM and everyday debit card transactions, but you can extend overdraft protection to everyday debit card usage by completing the Courtesy Overdraft ATM/Debit Card Opt-in form. Note that we will charge a fee of up to $33 each time we pay an overdraft.

  • Can I increase my daily purchase or ATM withdrawal limit for my debit card?

    Email us at claimsdept@fortressunion.com or stop by your local branch to discuss.

Mobile Wallets

  • Can I add my Fortress Union Bank debit card to my phone’s mobile wallet?

    Absolutely! Mobile wallets can help speed up your purchase transaction. They can also create an added layer of security since card number is never actually shared with the vendor. Not to mention, smartphones with fingerprint or facial-recognition scanning built in can use biometrics to verify each purchase.

    Fortress Union Bank debit cards are compatible with these mobile payment providers:

Getting a new debit card

  • The stripe or chip isn’t working well—how do I order a new card?

    There are a few ways to get a new debit card:

    • Visit a Fortress Union Bank branch near you to get your new card immediately.
    • If you’re in less of a hurry, Contact Us by phone or online and have it sent to you within 10 business days.

     

    Note: You may incur a card replacement fee.

  • How do I activate my new debit card?

    Simply call 833.681.3478 from your primary phone, and be ready to verify your Social Security Number and/or date of birth before selecting your PIN.