Visa's Zero Liability Policy 

Shop with Confidence

With Visa’s Zero Liability Policy, cardholders can shop with peace of mind knowing that they won’t be held responsible for unauthorized transactions – whether online, in stores, or over a mobile device*.

How it Works 

Shop worry-free. Use your Visa credit or debit card to make purchases.

Report suspicious charges immediately. Review your monthly statement and immediately report any unauthorized charges to Arbor Financial Credit Union at 269.375.6702 or 800.442.7340.

Get quick resolution. Once an unauthorized transaction that is covered by Visa’s Zero Liability Policy is reported, Arbor Financial will investigate so you can have the issue corrected in a timely manner.

Important Notes

Visa's Zero Liability Policy requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit card transaction within five business days of notification. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.
If you experience unauthorized transactions, notify Arbor Financial Credit Union at 269.375.6702 or 800.442.7340 immediately. Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing and history.
The transaction-at-issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations and other details, please consult Arbor Financial Credit Union.

Cardholder fraud prevention tips


  • Check online banking regularly to verify transaction activity.
  • Review statements as soon as they arrive and notify your financial institution of any suspicious entries.
  • Sign up for alerts to help you keep on top of your purchases.
  • Notify your financial institution immediately if there are unauthorized transactions on the account or the card is lost or stolen.
  • Be sure you are aware of where your card is at all times.
  • Take reasonable steps to protect your card from loss, theft, or unauthorized use.
  • Be cautious about giving anyone your card account number.
  • Keep the card in sight during a transaction and protect the card during use, particularly at ATMs.
  • Contact your financial institution if a new or replacement card does not arrive within a reasonable time or the packaging has been tampered with.
  • When you receive your card, immediately sign the signature panel.
  • Provide your financial institution with up-to-date contact details.
  • Keep statements, receipts, and other financial information in a secure place and, when it is time to destroy them, use a shredder.


  • Keep the PIN with or near the card.
  • Use PINs that can be easily guessed, such as your date of birth.
  • Disclose your PIN to other people including friends, family, and financial institution employees.
  • Share your card or your card details with anyone including your family and friends.
  • Leave receipts behind at an ATM or merchant.
  • Wait to report suspected fraudulent transactions – inform your financial institution as soon as possible.

* Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.