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Increased Fraud Protection for your NCCU Credit Card

SecurLOCK® Communicate.

All NCCU VISA Platinum Rewards® credit card holders now have access to SecurLOCK® Communicate. This new feature provides you with enhanced fraud protection by immediately alerting you to suspicious activity on your credit card through real-time engagement.

How does it work?

SecurLOCK® Communicate will notify you using SMS/Voice/Email fraud alert* functions to stop fraud through real-time consumer engagement. Additionally, we absorb the cost of data and message rates for domestic AT&T, Verizon, Sprint, and T-Mobile customers.

How do I enroll?

All our members with a VISA Platinum Rewards® credit card were automatically enrolled in SecurLOCK® Communicate, so there's nothing you need to do to sign up.  You can elect to stop receiving SMS text alerts by texting STOP to a fraud alert SMS text.

Can I establish my communication preferences?

Currently SecurLOCK® Communicate doesn't allow preferences to be configured online. The system will first try to reach out via text; if communication is not established, then it will automatically generate a phone call; an email will be sent if we can't reach you by phone. By utilizing all means of communications with you, SecurLOCK® Communicate will help ensure you receive potential fraud notifications.

*Alerts generated overnight result in an email only until calling and texting hours are available. Texts will be sent between 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be made between 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone.

Text Message Alert

Below is a sample of an SMS alert that you may receive on your phone:

FreeMsg: Northern Colorado Credit Union Fraud Dept: Suspicious txn on acct 1111: $201.99 WALMART. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.

If your response is NO and believe there is potential fraud on your account, we will send you a follow-up message with more information to guide you through the process of securing your account and preventing any other unathorized charges to your credit card. 


Phone Call Alert

Automated phone calls will provide you with details about the suspicious activity and then you will be asked to press "1" to confirm the purchase was authorized or press "2" to confirm the charge was not authorized.

If your response is "2" and you believe the purchase was not authorized, you will be automatically transferred to an agent to secure your account and help prevent future fradulent charges on your account.

Email Alert

Below is a sample of an email alert you may receive if there is no response from text and phone call alerts:

Subject: URGENT: Your Card Has Been Suspended Due to Recent Account Activity
Your Credit Card Ending in 1111

Dear (Cardholder's Name):

As part of a commitment to protect the security of your account(s), we continuously monitor for possible fraudulent activity. We need to vertify that you, or someone authorized to use your account, attempted the following transaction(s) on account number ending in 1111:









08:01 AM





10:02 AM





09:31 AM


If the dollar amount is not identical to what is shown on a transaction receipt, this may be due to a pre-authorization that has not yet posted to your account.
The merchant location for internet transactions may be different than expected, as they are often cleared through a centralized billing location.

If you have already spoken with us about these transactions, no further action is required.

Please click on one of the two statements below that best represents the transactions above:

All Transaction(s) Authorized        One or More Transaction(s) NOT Authorized

If you have further questions about this service please read the SecurLOCK® Communicate FAQ or feel free to contact us and we will be happy to answer your questions.