Coastal’s Paycheck Protection Program response has been updated. Learn More.

Visa Checkout

This free service makes online shopping faster and fraud-resistant.

Visa’s consumer protection program keeps credit card data private

Here's how Visa Checkout could help you bank better:

  • Register your card information with Visa Checkout to take advantage of this special fraud protection service
  • Visa Checkout limits the places your card information is stored online, making it much harder for identity thieves to compromise your account information
  • Online shopping with participating retailers will be faster because you’ll skip online payment information forms and proceed directly to checkout using a special code linked to your Visa account

The statistics regarding online credit card fraud are staggering.

A recent study found the instances of fraud jumped 30 percent in the United States in a recent 12-month period. With North Carolina residents and other Americans increasingly buying goods and services online, there's plenty of cause for concern.

The good news is Coastal Credit Union already guarantees compensation for members who use Coastal-issued debit and credit cards and who are victims of fraud. Now we are going one step further and giving Visa cardholders added protection. Register at no charge for Visa Checkout, and you can do business with more than 100,000 online vendors without posting your credit card data on their websites. Not only will your shopping experience be streamlined, but you can feel good about keeping the bad guys at bay.


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Frequently Asked Questions

It’s unfortunate but they do happen. Criminals insert malicious software into a company’s point-of-sale (POS) system. That malware then records credit and debit card information when the card is swiped through payment terminals. The recorded information is sent to the criminals who then sell it on what is referred to as “the dark web”. 

Retailers are responsible for changing/upgrading their point-of-sale systems, which though slow in going, the adaptions are being made. The good news is as of 2016, credit card companies shifted to the more secure chip-enhanced cards, which make it more difficult for criminals to access your personal information. 

More good news - Coastal blocks and replaces cards as soon as fraudulent activity is reported.

Card data breaches are announced by the card associations (Visa, Mastercard, Discover, AmEX, etc.). They typically don’t name the merchant (or merchant processor) who was breached. If the merchant deems the breach was serious enough to divulge that a breach occurred, they will announce it. Sometimes, Coastal learns of the merchant as the announcement is being made. Sometimes, we don’t. There is currently no federal or state law that requires a card association to name the merchant that was breached nor is there a law requiring the merchant to announce they have been breached. 

If Coastal learns of the merchant that was breached, we will advise our members as we re-issue their cards or sooner. 

The best way for you to guard yourself against card fraud is to - 

  • In Digital Banking, set up alerts on your debit or credit cards 
  • Use a chip-enhanced credit or debit card at your local merchants to guard against malware that may have been installed on their systems 
  • Use virtual payment services like Visa Checkout or Apple Pay 
  • Be careful when clicking on links in emails you receive. Inspect the link itself, subject line, and the sender carefully. If you think anything is suspicious, don't click the link! 
  • Control your debit permissions and preferences using CardNav

Set alerts in digital banking on your debit & credit cards

Watch your account(s) daily, if possible.

Simply wait for your new cards (and PINs) to arrive.

Remember to update your automated payments with your new card information.

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