Protection for Payments, Purchases, and Peace of Mind
When you pay at a store, make a purchase online, or tap into credit, you deserve to have confidence about your financial decision. We help to instill that confidence by offering protection for your payments, purchases, and peace of mind.
Here are common concerns consumers have when making payments – and how we can help to protect you.
“Will my payment bounce?”
Nobody enjoys having a bounced payment, declined debit card, or returned check due to insufficient funds. That’s why we offer Overdraft Coverage*, including automated coverage solutions and optional, supplemental coverage to suit your needs.
To help you protect against inconvenient bounced payments from your checking account, coverage may include any or all of the following solutions:
- Overdraft Protection is coverage that applies to all types of transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or Readi Reserve* line of credit you may have at Visions.
- Readi Reserve is our overdraft line of credit, which you can apply for online, at your local branch, or through our Contact Center. It’s a one-time credit approval that can protect your checking for a lifetime!
- Overdraft Privilege allows you, for a set fee, to overdraw your account up to a disclosed limit to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
For all three coverage options, it costs nothing to have or establish the coverage. It’s only when your coverage is utilized that a fee or finance charges would take effect.
*Learn more about overdraft coverage, including covered transactions and service charge details
"Will I get what I paid for?"
Especially during this season of holiday expenses, you may worry about porch piracy, delivery damage, or a purchase that simply doesn’t withstand the test of time. By paying with a credit card from Visions, you can ease those worries.
When you make your purchase with a Visa® Platinum or Elite Visa Signature®, whether that’s an in person, online, or mobile payment, you can tap into cardholder benefits:
- Purchase Security provides theft or damage coverage for the first 90 days after an eligible item is purchased.
- Extended Warranty Protection offers tools to help you manage, use, and extend product warranties up to one additional year for eligible items.
- Baggage Delay Reimbursement can reimburse you for the eligible essential items you may purchase while you’re at your destination and your delayed luggage isn’t.
- Visa’s Zero Liability Policy** states that you won’t be held responsible for unauthorized transactions made with your Visa card if it’s lost, stolen, or fraudulently used.
Rewards, Travel Accident Insurance, and Roadside Dispatch are among the other perks you can enjoy – plus even more with our Elite Visa Signature card! Certain terms, conditions, and exclusions apply. Please refer to your Guide to Benefits for more information, available on the Card Benefits page.
“Will my information be compromised?”
As we care for your financial well-being, we’re committed to protecting your personal, private information and your account security. We provide fraud monitoring and security features that put you in control of your card, your purchases, and your online access.
- Card Controls put card management at your fingertips in digital banking. Report when your Visions debit or credit card is lost or stolen, block it, order a replacement, and more. Manage all your Visions Visa® cards anytime, anywhere.
- Fraud Monitoring helps to keep you informed and protected from suspicious transactions on your account through tracking, alerting, and reporting. No need to enroll – we automatically monitor all Visions debit and credit cards!
- Alerts can be customized in digital banking based on your preferences to stay informed about your account – on your own terms! Set thresholds for debits, credits, and balances, get notified about login attempts, find out when your checks have cleared, and more.
Even better, with digital wallet, mobile wallet, and tap-to-pay compatibility, you’ve got transaction encryption and data security built into every contactless payment you make!
To verify transactions that seem suspicious or unusual, we may text you from our Fraud Monitoring SMS short code: (23618). Save 23618 to your phone's contacts so you'll know when it's us texting you – and not a scammer!
Learn more about fraud protection
Learn more about Card Controls
Learn more about customizable alerts
Use the card you trust for secure payments and purchase protection.
Whether you’re shopping for gifts online, making a contactless payment with your mobile wallet, or tapping your card at a souvenir shop during a family vacation, enjoy peace of mind that your Visa® Platinum or Elite Visa Signature® card offers security, convenience, and cash back.
No credit card? No problem. You can still enjoy peace of mind with your Visions Visa® debit card, featuring contactless payments, mobile wallet compatibility, Fraud Monitoring, Visa’s Zero Liability Policy, and Card Controls available in digital banking.
“Tap to Add” on your phone
To start using your card with your digital wallet, whether it’s online or for mobile payments, use the Tap to Add feature in your mobile wallet.
Simply open the Apple Wallet or Samsung Wallet app, click the add (+) icon, and tap your card to the back of your compatible mobile device. Then, enjoy your new form of convenient, secure, encrypted payments!
**Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify Visions immediately of any unauthorized use. Contact Visions for more detail.
This article first appeared in MoneyMatters Magazine. Click here to continue reading our current publication.
