Support Topics
Credit Cards
Learn how to redeem your Platinum Rewards points.
Popular Questions
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If you discover an unauthorized transaction on your account or if your card is lost or stolen, please contact Unitus during regular business hours (Monday – Friday 7:25 a.m. – 6:05 p.m. or Saturday 7:30 a.m. – 4:00 p.m.) by calling 503-227-5571 or 1-800-452-0900, Option 1.
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Simply login to uOnline to check or redeem your points. Hover over ‘Services’. Then select ‘Unitus Rewards.’
(Please note: You will not be able to view the Unitus rewards information unless you disable pop-up blocking in your browser.)
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Redeem Points for cash back, airline tickets, brand name merchandise, cruises & hotel stays, experiences and more.
When redeeming points for travel, remember to log into Unitus Rewards to use the rewards travel agency along with a Unitus Rewards credit card.
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A Secured Visa card is protected by a permanent hold placed on money in your savings account equal to one-and-a-half times the requested credit limit.
Unitus’ Secured Visa features low variable rates with no annual or cash advance fees plus auto rental, emergency card replacement, zero liability for fraudulent charges, fraud protection and a Visa Secure® guarantee.
Our Visa Classic card offers you a low interest rate, no annual fees and a 25 day, interest-free grace period. Visa Classic cards can even be used as overdraft protection on your checking account.
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Instant Issue is a service that allows members to replace a lost, stolen or damaged credit/debit card instantly at any Unitus branch.
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For every dollar you spend, you earn one Unitus Rewards Point.
By shopping our online network of top national and regional merchants, you can earn extra points. Shop these merchants with your Unitus Platinum Rewards card through our Ampre Online rewards program to earn extra points and enjoy exclusive discounts.
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Points expire after 3 years on a first in, first out basis. Point values are subject to change without notice.
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There is no monthly point cap on consumer or business credit cards.
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You can apply for a VISA Credit card by completing a loan application online or by contacting a Member Service Representative (MSR) by dialing 1-800-452-0900 and selecting option 1.
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Please call 1.888.871.1681 with questions.
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No. VAU supports only card number and expiration date changes.
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The updated card information will be sent to Visa when your card is re-issued or is part of a merchant compromise. Visa will provide updated card information, once the new card has been activated, so that card-on-file merchants can continue to provide you with uninterrupted service.
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VAU enables the electronic exchange of updated card information (card number and expiration date changes) among participating issuers, acquirers and merchants that process Visa transactions using account-on-file data.
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Many features of a chip card are the same as a magnetic stripe card. Both cards include the card number, cardholder name and expiration date on the front and provide the three-digit security code on the back of the card. The key difference is the gold or silver-colored embedded chip on the front left side of the card.
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Enrollment is automatic. Unitus CCU will automatically enroll your account in VAU.
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Yes it will! Chip cards may be preferred by some merchants, but current magnetic strip-only cards will continue to be accepted.
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Not at this time. This is a valuable service that will allow for uninterrupted service of recurring payments.
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No. Because not all merchants participate in the VAU service, you will still need to notify each merchant when your card number or expiration date changes in order to permit recurring payments to continue to be charged to your account.
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As a result of a recent court settlement between retailers and the credit card industry, merchants can now pass along their payment processing costs to consumers who pay with a credit card beginning January 27, 2013. Please be advised that a merchant who chooses to exercise this surcharge, sometimes referred to as a “checkout fee,” could subsequently increase your credit card purchase amount by as much as 4% (the maximum allowed).
Under the settlement:
- The surcharge cannot exceed the amount that the merchant actually pays to accept credit cards – normally between 1.5% and 3% of the transaction amount.
- Surcharges can be imposed on credit card transactions only, not on purchases made with debit cards or prepaid cards.
- Merchants must disclose the credit card surcharge clearly – at the store entrance and the point of sale or on the homepage if the merchant does business on the Internet.
- The disclosure must include the amount of the surcharge, the fact that the fee is being charged by the merchant, and that the fee does not exceed the merchant’s cost to accept credit cards.
- The dollar amount of the surcharge must appear on the transaction receipt.
Merchants are not allowed to impose a credit card surcharge in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma or Texas, where such fees are prohibited under state law.
Please note: This is not a Unitus fee and and cannot be disputed with Unitus. For more information, please contact us.
Related Pages:
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Chip cards provide a higher degree of security due to the chip which uses several measures to create a complex level of security making a chip card difficult to copy or counterfeit. International market migrations to EMV chip have proven the value of chip cards at reducing counterfeit fraud. Because of their complexity and use of dynamic transaction data, chip cards make counterfeit fraud a near impossibility. Adding these dynamic elements to transactions makes account data less attractive to steal and adds greater security to the payment system.
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Yes, your new chip Visa card will be protected under the Visa Zero Liability policy.
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Chip cards provide a higher level of security in some countries because the encrypted chip uses several measures that create a complex level of security making a chip card difficult to copy or counterfeit.
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They will continue to accept all debit and credit cards just as they do today.
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EMV is an acronym for “Europay, Mastercard, Visa.” European nations worked with Visa and Mastercard to create chip cards, hence giving them the EMV name.
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The microchip embedded in the card stores information required to authenticate, authorize and process transactions. This is the same type of information already stored in the magnetic stripe. No personal information about your account is stored on the chip card.
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If you plan on traveling domestically or internationally, you can set up a travel notice within Card Management that will inform Unitus of your plans. Unitus will not block or decline any transactions that originate from your travel destination during the travel dates, for the card that the notice is set up on.
- You can add multiple destinations to your travel notice.
- You can edit your travel destinations and dates, as needed.
- Travel notices can be applied to one or multiple cards.
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Yes! You can use the Balance Transfer feature within Card Management to transfer a balance from another credit card to your Unitus credit card. It’s a great way to consolidate debt or take advantage of a lower interest rate.
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Select ‘Alerts and Controls’, then click or tap on the contact method under the ‘Update Registration’ section. The Alert Delivery Method modal will open and allow you to enable/disable contact methods as desired.
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Yes! Select ‘Finish Setup’ for the card that needs to be activated (Card Status – Not set up). Click on ‘Card Activation’ and select ‘Use Digital Card Display’ to reveal the CVV number. Re-select ‘Finish Setup’ and ‘Card Activation’, enter the CVV Number, then click on ‘Activate Card’. From there you can set up your 4 digit PIN by selecting ‘PIN Setup’.
- Setting up a PIN is not needed for Credit Cards but is strongly suggested for all other card types.
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- This setting will temporarily prevent transactions from going through. You can enable or disable this setting as needed. Unitus cannot guarantee all transactions will decline when this setting is enabled.
- It will only decline transactions for merchants that use Visa’s processing system. For transactions with merchants that are on other processing systems, those transactions will go through.
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In the mobile app, tap the ‘More’ tab, then select ‘Settings’ and the ‘Push Notifications’ option. Ensure the toggle is enabled to allow Push Notifications. Once the toggle is enabled, push notifications will appear as a contact method in Card Management.
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- Controls decline transactions that match certain criteria that are set by the member (i.e. transaction limit, merchant type, transaction type).
- Alerts notify you of transactions that match certain criteria set by the member (i.e. transaction limit, merchant type, transaction type). These alerts are available via Email, SMS, and Push notification.
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At this time, custom card images will only display the default card image.
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Navigate to Settings > Contact tab. To verify the phone number, select the phone number and ensure the ‘I Would Like To Receive SMS Text Messaged To This Number’ checkbox is selected. Complete the Multifactor Authentication, if prompted, then click ‘Send a code via text’ to verify the phone number. Enter the verification code and click ‘Save Changes’. Now your phone number will show up as an SMS contact method within Card Management.
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