Protect your debit and credit cards with a simple passcode for enhanced online shopping security.

We’ve added a new layer of security to our credit and debit cards, especially useful for cardholders shopping online. There are specific merchants enrolled in the 3-D Secure One-Time Passcode program. As part of this program, One Time Passcodes (OTP) will be sent to your mobile phone to help us make sure your transactions belong to you.

One-time passcodes will not apply to most transactions, so don’t be alarmed if you don’t receive a request. But also, don’t be alarmed if you do: This extra authentication step is just a sign that our security measures are working to keep your accounts safe.

How it works: The one-time passcode process includes the following actions:

  • Creation:
    As you shop online and your purchase is determined to require a one-time passcode, the merchant’s screen will ask you to accept a one-time authentication process or close the transaction window. It is best for you to accept the one-time passcode request and initiate the authentication. If you choose to close the window, the authentication process will end, and the merchant will guide you through the next step.
  • Delivery:
    First, you select the mobile number presented to you on screen and then choose to continue. Then, Tech CU prepares the one-time passcode. Tech CU verifies you are allowing a one-time passcode to be provided, then initiates delivery of the one-time passcode to your selected mobile number.
  • Opt-out (not recommended):
    The only way for you to opt-out of the one-time passcode feature is to reply “STOP” using your mobile device. This is not recommended. If you do this and continue shopping online, you will not receive one-time passcodes when required for subsequent purchases due to the opt-out you elected. You will always receive a failed authentication for these transactions until you allow one-time passcodes again.
  • Opting back in:
    If you have replied “STOP” to a one-time passcode text, you can opt back in by texting the word “RESUME” to the original text message or short code 44397.

Never share the OTP, as it can be used to fraudulently complete transactions. If you opt out of receiving the OTP, the only way to opt back in is to reply “RESUME” to the original text message you received about entering the OTP or to the short code 44397.

Finally, we encourage you to review and update your contact information. This can be done via Online Banking or by contacting the Member Contact Center at the number below.

For any questions or assistance, please contact us via our Virtual Branch, Member Contact Center at 800-553-0880, or any branch location.

Federally Insured by NCUA.