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Payments may be made at any location or through an automatic payment from your SoAFCU share savings or share draft account. Payment is credited within 24 business hours.

To establish an automatic payment, please use your complete nine digit account number. Click here for an example of your nine digit account number.

If you are going on vacation, or an extended trip, please call the Lending Department so we can make a note on your account. Spirit of Alaska uses Falcon Fraud Detection Service to help eliminate credit card fraud. A Falcon representative will attempt to contact the member first, and the credit union second, before authorizing unusual transactions. To avoid inconvenience when traveling, it is best to notify the credit union prior to leaving on the trip. You may call (907) 459-5970.

To report a lost or stolen VISA or MasterCard credit card please call 1-800-808-7230 24-hours a day 7 days a week.

Download an application here to apply for a Spirit of Alaska VISA Platinum, VISA Classic, or MasterCard Share Secured credit card. You may also apply in person at any of our branches.

Please note this PDF file will print on 8.5 X 11 inch paper and the entry fields may appear small. Please sign the completed application prior to returning it to SoAFCU.

If you have an "in-house" mortgage loan with us, you may establish an automatic payment from your Spirit of Alaska share savings or shard draft account. Please contact Member Services at 459-5974 or email info@spiritofak.com to establish your automatic payment.

No matter where you look, fraud involving credit and debit cards is making news and it is more important than ever to protect your plastic cards and your identity. Spirit of Alaska FCU wants you to know that although this can be a serious problem, there are ways to protect yourself. Here are some tips to remember:

• Report lost or stolen cards immediately. Sign your card as soon as you receive it.
• Avoid carrying all your plastic cards, Social Security number, birth certificate or passport. Carry only those cards you will be using and other necessary identification.
• Reduce the number of active cards you have. Close all unused cards and cut unwanted cards into several pieces before disposing of them.
• Memorize your PIN (personal identification number) Do not write your password or PIN on your card or carry it or your social security number in your wallet or purse.
• Keep records of all card account numbers, expiration dates, etc. in a secure location.
• Never give your account number or CVV number (the last three digits on the back of your card) over the phone unless you initiate the call.
• Treat your cards as you would cash. Do not leave them unattended. Do not allow your card out of sight during a sales transaction.
• Do not have your Social Security number or driver's license number printed on your checks or give your card, card number, social security number or PIN to anyone.
• Transactions over the Internet should be handled carefully. Make sure you are shopping in a "secure" environment on a website.
• Most of all be careful and use common sense when using your plastic cards! Contact us at (907) 459-5978 if you have any questions or suspect you are a victim of credit card fraud or identity theft.
  
• You can get the same online purchasing protection for your MasterCard. Simply click here to learn more about the MasterCard SecureCode Program and to enroll.

Verified by VISA is designed to protect online shoppers, as well as reduce identity theft for all cardholders by allowing cardholders to add a personal password to their existing card. When making a purchase with a participating online merchant, the cardholder will validate their identity by entering a password in a special Verified by VISA window. Look for the symbol (at right) that identifies participating online merchants. In stores that are not yet participating in Verified by VISA your VISA card will continue to work as usual. Go to www.visa.com/verified for a list of participating merchants and to activate your VISA card. You will be guided through steps to create your personal password. To further help protect members from online fraud, Spirit of Alaska FCU requires card holders to participate if the merchant is a participant in Verified by VISA.

Spirit of Alaska FCU is please to offer eZCardInfo.com free to members with a SoAFCU credit card. Use this valuable online resource to get timely information and manage your credit card account, including:

• Check your available credit
• View your current balance
• Access previous statements
• Download transactions to your Personal Financial Management software
• Make your credit card payment online
• Change personal profile information online
• Set alerts
• Search for transactions and produce reports
• And much more...

Click here for free enrollment in eZCardInfo.com if you are a first time user.

It is important to review your credit report periodically to ensure that no fraudulent activity has taken place and that all information is accurate. Anyone who has been denied credit, employment, insurance or rental housing based on information on their credit report, or who certify in writing that they suspect their credit report may contain fraudulent information are also able to obtain a credit report at no charge.

How to contact the three Credit Reporting Agencies:
Equifax
Call: 1-800-997-2493
Web: www.equifax.com
Mail: Equifax Information Service Center PO Box 740241 Atlanta, GA 30374-0241

Experian (formerly TRW)
Call: 1-888-397-3742
Web: www.experian.com
Mail: Experian National Consumer Assistance Center PO Box 9595 Allen, TX 75013-0036

TransUnion
Call: 1-800-888-4213
Web: www.transunion.com
Mail: Trans Union LLC Consumer Disclosure Center Springfield, PA 19064-0390

The FACT Act makes it possible for everyone to receive a free credit report each year in an effort to prevent or minimize the effects of fraud and identity theft. To get your free annual credit report you must contact the Central Source as established by the three major credit reporting agencies. You may contact the Central Source by calling, toll free, 877-322-8228 or 877- FACT ACT, or you may click this link: www.annualcreditreport.com.

Spirit of Alaska FCU has partnered with Equifax to offer members the opportunity to check their credit report online. For a nominal fee you may choose the credit reporting service that best meets your individual needs. To access the secure Equifax website and access your credit report online simply click here.