Your peace of mind and protection are important to us.

Visa Zero Liability Policy

Use your 1st Financial Federal Credit Union Visa card to shop anywhere–whether it’s on the Internet or in a store–and you are protected from unauthorized use of your card. The Visa Zero Liability policy eliminates consumer liability for fraudulent transactions

No consumer liability on fraudulent transactions

The Visa Zero Liability policy provides you with protection against fraud**. Should someone steal your Visa card number, you pay nothing for their fraudulent activity. This policy applies to any item purchased with your Visa card or card number including purchases made through the Internet. If you notice fraudulent activity on your card, promptly contact your financial institution to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions. Your cardholder agreement defines unauthorized transactions.

Shop safely online with your Visa card

Visa takes online security very seriously. The Zero Liability policy is one of the many ways that Visa protects you when you shop online.

Verified by Visa also enhances online shopping safety and security when you use a Verified by Visa password. It’s safe and easy to use. To learn more about Verified by Visa, go to

While Visa is committed to enhancing the security of Internet transactions, you can also help to protect yourself by following some common-sense e-shopper safety tips.

In addition, Visa also provides added protection to cardholders who shop online, by phone or mail, through the Visa E-Promise. The Visa E-Promise assures cardholders that if they have tried, and have been unsuccessful in resolving a dispute with an online, phone order or mail order merchant, they can contact their Visa card issuer directly to help resolve the credit card charge in question*.

If you feel your 1st Financial Federal Credit Union Visa Credit Card has experienced fraud, immediately call (636) 916-8300.  

*Where the cardholder has lawfully cancelled their agreement with an online, phone, or mail order merchant; the item was not received; or the item is different from what was ordered.

**Visa cardholders must establish that the transaction is not their responsibility as per all applicable agreements of the issuing financial institution. Does not apply to ABM transactions or PIN transactions not processed by Visa. Individual provisional credit amounts may be withheld, delayed, limited, or rescinded by an issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim, and account standing and history.


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