- Fraud monitoring helps to protect you, both in the states and abroad., We have a fraud prevention program to protect your credit and debit card, whether it be at home or during international travel. Because of this fraud protection, there may be some instances where your transaction could be declined if the activity is considered extremely suspicious., Here are some good practices to consider when traveling:, Ensure we have your current contact information, especially phone, email, and mailing address Save our Fraud Monitoring short code (23618) in your phone contacts Instead of swiping your card at a point of sale, you should insert your chip or use or tap-to-pay Carry two types of cards in case one does not work or is not accepted Buy foreign currency or travelers checks before you leave Have a…
- Protecting your cards from suspicious activity, Visions has an extra fraud prevention program to protect your credit and debit card. You may encounter some instances where your transaction could be declined if the activity is considered extremely suspicious. If your card is denied for a legitimate transaction or if you discover unusual activity in your account, please call us at, 800.242.2120, . Always monitor your statements or review your accounts online to watch for unusual activity. If you see a suspicious transaction, be sure to contact us immediately. And we'll do the same... To verify transactions that seem suspicious or unusual, we may text you from our Fraud Monitoring SMS short code: (23618)., We strongly encourage you to save 23618 to your phone's contacts as Visions Fraud Monitoring, . That way, you'll know when it's us texting you – and not a scammer !, Learn more about fraud protection and account security, ., Have you had card problems?, If you have experienced any of the following issues, please call 833.224.5785 (available 24/7): Lost cards Stolen cards Card disputes or unauthorized charges on your card , Prevent Card Fraud through Digital Banking Alerts and Controls, Use our convenient services available through Digital Banking to protect yourself., Get alerts of any unusual activity or charges on your Visions debit and credit cards., Charges above a dollar amount you choose Visa® alerts Security alerts related to Digital Banking Learn more about alerts., Increase security with Card Controls in digital banking., Lock or unlock your card to allow or prevent new purchases Report fraudulent transactions on your card Order a card replacement Learn more about digital banking. Are you concerned about fraud or want to report a scam? Please contact us if you believe you have received a suspicious email, text message, or phone call from Visions, or if you provided any of your personal information including your…
- Student Loans, Resources, and Free Money, Preparing for college is all about choices, be it filling in the circles on a standardized test or picking which school to attend. The most important choice, though, may be how to pay for college. Full scholarships are limited. They're usually reserved for outstanding athletes and a select few academic standouts. What about the rest of us? For most, paying for college is a search for funding…, Student Loans and Other Resources Are a Big Part of College Funding, Financial aid and scholarships can cover a good chunk of college costs, but most need student loans to fill the gaps. Many will borrow between $30,000 and $100,000 to cover the price tag of a four-year degree. College graduates owe an estimated $1.3 trillion in outstanding debt and recent numbers from the federal government suggest many are working hard to pay it back. The troubling trend of…, 1. Figure Out the Cost of Attendance, Colleges across the nation are actually required to post their cost of attendance (COA) each year. This COA accounts for the tuition and fees; books and supplies; room and board; transportation; and personal expenses the average student would pay in an academic year, or one fall and spring semester. Look up the number and stare it down. Now take a deep breath and let's get to work., 2. Fill Out The FAFSA, The Free Application for Federal Student Aid unlocks your access to federal student loans and grants, the most practical college funding source you have. Federal loans carry low, fixed interest rates that tend to make monthly payments a little more palatable than the higher rates you could get from private financing or a commercial bank. As the name suggests, it's free to complete the…, 3. Find Some Free Money for College, Whether it's for $50 or $50,000, scholarships help drop that COA in a hurry. The search and application process will take a lot of work, but the paycheck you could earn would be priceless. To make the process a little more painless, write a general essay you can submit with applications as the opportunities arise. Many decision-makers simply want you to explain who you are, why you want to go to…, 4. Find Even More Free Money for College, Every school has a Financial Aid office. Find it and use it. Simple enough, right?, 5. Use Special Credit Union Student Loans to Fill the Gaps, After you've gathered all your federal funds, scholarships, and financial aid, take another look at that cost of attendance. If you're like most, you're going to need more., Student Choice offers students and parents options., Visions Federal Credit Union offers many benefits to member-owners, including affordable student lending in the form of Student Choice. These lines of credit are exclusive to credit unions and offer competitive rates, in-school deferment, and a graduated repayment option. We're also dedicated to financial literacy when it comes to college planning . Find more information, tips, and our…, Apply for a Student Loan
