VISA Security Features

Personalize Your PIN
Icon's Visa Credit & Debit cards have a feature that allows you to choose your own personal identification number (PIN). To select your own PIN for your Icon Credit Card, call the toll free number at 1-866-297-3408 and follow the directions. You will need your current PIN and credit card handy in order to change to a new PIN.

To select your own PIN for your Icon Debit Card, you have two options:

• Contact Icon's Boise office to assist you. After verification of your identity is completed, your PIN can be changed immediately.
• Call 1-888-467-7001 and follow the same procedure as with the credit card. You will need your card and current PIN to change to a new PIN.

If you do not know our current PIN, call Icon's Boise office and we will be happy to assist you. Please call if you have any questions regarding your Icon Visa Credit or Debit cards.

Verified by VISA
Icon is always pursuing ways to help members protect their accounts from fraud. The newest fraud prevention program for VISA cards is called Verified by Visa. If you have an Icon VISA Credit or Debit Card, you will be required to enroll in the Verified by Visa program prior to completing an online purchase using your Icon VISA card. The program assists you in creating a password that protects you when you buy online. With Verified by Visa you get added safety, and the reassurance that only you can use your Visa Card online. Once Verified by Visa is activated, your VISA card will be recognized when you purchase at participating online stores. The Verified by Visa symbol will be displayed by participating online stores. You will be prompted to enter your password online, your identity will be verified, and the transaction completed. In online stores that are not yet participating, your Visa Card will continue to work as usual. Registering your card takes just a few minutes. If you have more than one Visa card you'll need to register each card separately.

Once registered, your Verified by Visa password will only be required if you make purchases online. NEVER give your password to someone over the telephone — it is only valid for online purchases. View 'Terms of Agreement for Verified by Visa'.

The credit and debit cards have different registration sites. To register your Icon card(s) select the appropriate option below:

For complete details regarding the Verified by Visa program visit usa.visa.com.

Security Measures Taken For Icon Visa Card Holders
If you receive your new Icon Visa debit or credit card you will now have to call in verification to activate your card. On the front of your card you will see a sticker with an (800) number that you will need to call to activate your card that verifies the card was sent to you. Enter the information from the voice activated dialog using your telephone touch-tone key pad. After you have completed the short security process your card will be ready to use.

In an attempt to cut down on fraud losses, many merchants now require all purchases be sent to the same address as the credit card billing address. Therefore, it is even more important now for you to update your address for your accounts at Icon. Keeping your address current on all of your debit and credit card accounts will help prevent a delay or denial of future purchase using your debit or credit cards.

Remember, all of the security measures taken are for your protection as a member of Icon. If you have any questions please contact Icon.

Identity Theft
Identity Theft occurs when someone steals your personal information--your credit union account information or social security number. It could take months or even years to learn about, and then repair, the damage. For more information about Identity Theft visit the Federal Trade Commission's web site.

Have you checked your credit history lately?
Don't wait until you want a car or mortgage loan to have your credit history checked.
It is beneficial to check your credit profile periodically. If you have had Identity Theft occur to you, call the credit reporting agencies immediately to block any credit requests.
There are three national credit reporting agencies:
Equifax 1-800-997-2493 or www.equifax.com
Experian 1-800-311-4769 or www.experian.com
Trans Union 1-800-888-4213 or www.transunion.com