The Direct Financial VISA® Explorer and VISA® Explorer Rewards cards carry these great benefits!
With the Visa Explorer Rewards card you can earn one bonus point for every dollar spent--that's 1% cash back on your purchases! Redeem your points for cash anytime. For every 1,000 points redeemed, get $10.** If you like to be rewarded for using your Visa card, this option may be for you!
Did you know you can easily, quickly and securely make purchases online using your Direct Financial Visa Explorer or Explorer Rewards card by registering them through Visa Checkout? Visa Checkout lets you checkout online without re-entering your payment and shipping information. It's a Digital Wallet!
Apply for your Direct Financial Visa Explorer or Visa Explorer Rewards card today by visiting any branch.
*Interest on a cash advance is charged immediately.
**Certain restrictions apply.
|Annual Percentage Rate||Alert Me|
|Visa Explorer (Variable Rate)1||7.40%2|
|Visa Explorer RewardsTM Card (Variable Rate)||9.40%|
As a protective measure, transactions on your Direct Financial ATM, Debit or Visa credit card may be blocked if they appear to be suspicious. This includes use of your card in places that are out of the ordinary for you, such as in another part of the country or overseas. To ensure that you retain access to your funds while traveling, please call 800.966.8200 or 800.400.8790 Monday-Friday 8 am to 6 pm and Saturday 9 am to 1 pm and let us know:
Where you are traveling
For how long
How we can reach you
We protect you while you travel by monitoring card activity around the clock, and if something is suspicious, we will try to contact you before taking steps to block your card. That's why we'd like to have a number where we can contact you while you're away. If not, we'll contact the phone number we have on file and will leave a message there. Hopefully, you'll be checking your messages, because if not, your card could be blocked, just when you're trying to use it!
It's a great idea to take multiple forms of payment with you, and keep them separated. That way, you'll have a back up method of payment for hotels, rental cars, meals or other necessities.
Bring our contact phone numbers with you:
If you have lost your card, call us right away! We will be able to block your card and protect you 24 hours a day, 365 days a year. Call us at 800.966.8200.
Please note that payment systems in some countries are not considered safe, and your Direct Financial cards may not work in some countries. Some of these are mandated by the Office of Foreign Asset Control of the US Government. You can see a current list of blocked countries and groups here.
Any time of day or night, call 800.966.8200. Call for any type of lost or stolen Direct Financial card, whether Credit, ATM or Debit card.
Whenever you see a transaction that you don't recognize on your statement, you should contact any Direct Financial branch or the Call Center at 800.966.8200.
There are basically two types of Electronic Funds Transfer or EFT transactions that you may question on your statement: disputed and unauthorized.
Disputed Electronic Funds Transfer
A disputed electronic funds transfer transaction means you participated in some way but the outcome was not what you expected. (More Details)
Unauthorized Electronic Funds Transfer
An unauthorized electronic funds transfer transaction means someone else used your card without your authority and you received no benefit for that transaction. In short, it is a fraudulent transaction. (More Details)
There are several differences between disputed transactions and unauthorized transactions. The biggest difference is who initiated the transaction, either currently or in the past. If you participated in any way, the transaction is disputed, not unauthorized.
Important to remember: You must report your lost or stolen card to us immediately at 800.966.8200 — we are available 24 hours a day, every day. Likewise, you must notify us as soon as you discover an unauthorized transaction. Failure to do so could impact your rights. Refer to your Membership Agreement for full details.
Identity Theft Resources – NEFCU provides resources to help you protect yourself and your accounts from identity theft.
Visa Security Sense – This site from Visa provides tips for protecting account information, avoiding payment card scams and resolving unauthorized card use.
Staysafeonline.org – This site from the National Cyber Security Alliance provides consumers with basic tips about navigating the internet safely.
Which card is right for me: Visa Explorer or Visa Explorer Rewards?
Created specifically for NEFCU, VISA® has designed the NEFCU Credit Card Manager, an App that allows members to control their credit card’s status. Members can use their mobile device to turn their credit card on or off, establish transaction spending limits, block geographic regions as well as merchant categories, and establish a variety of alerts. NEFCU Credit Card Manager also can be used to pay limited merchants with an Android mobile device.
Download from the app store - search for NEFCU.
SecurLOCK™ Equip is provided by our debit card processor, Fidelity (FIS) and allows cardholders to establish how, where, and when their debit card is used. With the SecurLOCK Equip App from the Apple Store or Google Play, members can use their mobile device to turn their debit card on or off, establish transaction spending limits, block geographic regions as well as merchant categories, and establish a variety of alerts.
SecurLOCK is not a NEFCU-specific app. It can be used to control any card processed by FIS. Members may register multiple cards from varying financial institutions, however, each requires a unique login.
Download SecurLOCK Equip from the app store.