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Tampa Bay Federal Credit Union
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Debit Cards

Your Tampa Bay Federal debit card gives you instant access to your funds, wherever life takes you. Enjoy secure, contactless payments, free ATM access nationwide, and easy card controls right from your mobile app.

 

Debit Card Image

Debit Card

Yes, it’s free with your checking account. Convenient, secure and easy to carry; a solution in your pocket.

Traveling? Let us know and we’ll make sure your travels are safe and memorable. Call, email or complete the form in online banking, so we are aware. Packing? That’s on you.

  • EMV Chip Enabled - contains an embedded chip that uses secure technology to make it harder to copy your account information, better protecting you from fraud.
  • Instant Issue - Need your card now? Instant issue debit cards available at service centers.
  • Mastercard - Enjoy flexibility and convenience with the card that is most accepted Nationwide.

 

 

 

 

Card Valet Image

CardValet

Manage your Tampa Bay Federal debit card usage through your mobile device by defining when, where and how your card is used with CardValet®. This free mobile app allows you to take even more control over your debit card usage at home or on the go. Enjoy the benefits of greater fraud protection, spending control and interactive alerts. 

  • Turn your card "on" or "off" in real-time
  • Monitor and control card transactions
  • Set spending limits for general use or specify by merchant types
  • Establish transaction controls that allow your card to work only in specific locations or geographical areas

Get started today. Download the CardValet® app to your mobile device and customize your settings and preferences. 

Google Play Apple store

 

 

 

Mobile Wallet

Use your Tampa Bay Federal credit or debit MasterCard with Apple, Samsung and Android Pay. Enroll to make purchases at participating retailers and thru various apps. There’s no need to enter payment information, or even have your card. 

FRAUD PROTECTION AND DISPUTES

Fraud Protection

Fraud Protection

  • Contact Numbers
    Lost or Stolen Card: (800) 472-3272
    Activate, Change or Request PIN: (800) 757-9848

 

  • Fraud Protection
    To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale, a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card to protect you.

  • If you verify that the transaction was not authorized, eNFACT will block the card for you and tell you to contact us to file a dispute.
  • If you confirm that the transaction was authorized, no further steps will be necessary.
  • If eNFACT is unable to contact you, your card will be blocked.

To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. If your primary number is your home landline number,  you may want to consider updating it to your cell phone or work number to ensure a timely response. It’s easy to update your information in Online Banking; just click on the Profile tab.

 

Debit Card Fraud & Disputes

Debit Card Fraud & Disputes 

When charges and purchases appear on your statement that you do not recognize, they may be fraudulent; or they may not be. The reference guide below will help you decide whether to file a dispute or a fraud affidavit.

Tampa Bay Federal Credit Union's complete policies and procedures for processing fraudulent and disputed transactions are outlined in the Universal Account Agreement Disclosure and are governed by the Electronic Funds Transfer Act (Federal Regulation E). 

Differences between Disputes and Fraud

The primary difference between a fraudulent transaction and a disputable transaction lies in whether or not the cardholder knowingly and willingly initiated the transaction with the merchant in the first place.

  • A fraudulent transaction is a charge from a company that you do not have an account with and you do not know how this company obtained your card number.
  • A disputed transaction is a charge from a company that you have done business with, but they have charged an additional charge without your permission or you feel that the services or merchandise received is not what you paid for.

Determining Which Type of Claim You Have

1. Did you give out or loan your debit card to anyone?

  • YES - A claim (fraud or dispute related) can not be made if you voluntarily gave your card to another person. We NEVER recommend giving your debit card to anyone else to use.
  • NO- You may have a claim for fraud or dispute. Continue through questionnaire to determine which type of claim you may have. 
     

2. Do you recognize the merchant who made the transaction using your debit card?

3. Is the transaction a result of you signing up for a ‘FREE trial’ on the internet; however, it required you to use your debit card to pay for ‘shipping only’ or another similar charge?

4. Did you voluntarily give your debit card to anyone over the phone, provide it on a mailed form or email, or enter it on an Internet website?