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VISA Online Access
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Manage Your
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Visa Online Access
With Visa Online Access, you can manage all types
of activity related to your Direct Financial Visa credit cards.
Through NEFCUOnline you can check your current balance, recent usage and payment activity,
check your due date and amount owed, and view authorizations. You can also pay your Visa bill online.
Visa Online Access in NEFCUOnline
To access your NEFCU Visa credit card, just log in to NEFCUOnline and click on the link under My Accounts. Alternatively, you can also follow these steps:
- Login to NEFCUOnline
- Select Additional Services
- Click on Visa Online Access from the dropdown menu
Visa Transaction Alerts
Credit card fraud is an unfortunate reality in today's world. One of the best ways to avoid problems is to keep a close eye on your account with automatic Visa transaction alerts. In just a few minutes, you can sign up to receive automatic messages by email or text to inform you whenever a transaction has posted to your account, if a foreign transaction has occurred, or you can choose a variety of other alert options. Simply log into NEFCUOnline and go to Visa Online Access and click on "Transaction Alerts" under the Account Services tab.
Visa Online Access FAQs
Visa Online Access Information
- Can I download my transactions in Visa Online Access?
From the Account Summary page, you can download your transactions to a CSV file.
- What are Visa Transaction Alerts and how do I sign up for them?
Visa Transaction Alerts are automated messages sent by email or text that inform you whenever a transaction posts to your account, if a foreign transaction has occurred, or you can choose a variety of other alert options. To sign up, go to Visa Online Access in NEFCUOnline and click on the link for “Transaction Alerts” (under the Account Services tab). - What is Visa Online Access?
Visa Online Access provides you with 24/7 secure access to your Visa credit card account information through NEFCUOnline. Visa Online Access allows you to view, download, or print your current activity. You can also view pending authorizations and make payments.
- Is Visa Online Access safe?
Visa Online Access is designed to keep your account information secure. Your session will time out after 15 minutes of inactivity.
General Visa Card Information
- How can I get my credit limit increased?
If you would like to increase your credit limit, please call 866.80.LOANS (866.805.6267) to request an increase.
- Can I add an additional user to my credit card account?
Most times Direct Financial can add an authorized user or joint cardholder. To request the necessary forms, please contact us at 800.966.8200.
- What is a minimum monthly payment?
This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to an amount decided upon by Direct Financial. Generally, the minimum amount calculation is made available in your Card Agreement, Welcome Letter, or it can be obtained by contacting us at 800.966.8200.
- What is APR and how do I find my APR information?
APR is the annual percentage rate; this is the amount of interest that is billed to your account for the convenience of carrying a balance. Please review your Card Agreement and Welcome Letter for complete APR details.
Activation and Use
- How do I activate my Visa?
Please call 800.631.3197 to activate your Visa card.
- If I suspect theft or forgery, or think there is fraud on my account, what should I do?
If you do not recognize a charge, please follow these four steps:
- Double-check your receipts and check with other authorized users of your card.
- Contact the merchant where the purchase originated.
- Contact Direct Financial 24 hours a day, 7 days a week at 800.966.8200 to block your card.
- If you are unable to determine the validity of the transaction, you can find more information here.
If you have any questions, please contact us at 800.966.8200.
- If I want to dispute a transaction, or disagree with a transaction on my account, what should I do?
If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps:
- Double-check your receipts and check with other authorized users of your card.
- Contact the merchant where the purchase originated.
- If you are unable to resolve your dispute with the merchant, you can find more information here.
If you have any questions, please contact us at 800.966.8200.
- How do I get a personal identification number (PIN)?
To establish a PIN, please call 888.866.0083.
- How do I make a cash advance?
You may use your card for a cash advance at Direct Financial, any ATM with the Visa logo or any financial institution where Visa cash advances are offered. Please note that cash advances start to accrue interest immediately and, if in a Rewards Program, do not earn points.
- I am traveling internationally; can I use my credit card?
Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We do strongly recommend that you notify us of your upcoming travel plans by completing the form in NEFCUOnline or by calling us at 800.966.8200.
- Who do I talk to if I need help understanding my credit card statement?
If you have questions regarding your statement, or if you feel there is an error, please contact us at 800.966.8200.
- My card has been lost/stolen or misplaced, what should I do?
Call us at 800.966.8200 immediately to report your lost/stolen card. We are available 24 hours a day, 7 days a week, 365 days a year to block your card as quickly as possible.
Our customer service team will block the card, limiting unauthorized use. To better assist us in protecting your account, please let us know where your card was lost/stolen and the last authorized transaction on the card.
Authorizations
- What is the difference between Pending Charges and Pending Authorizations?
On the Account Summary screen in Visa Online Access, Pending Charges reflects authorizations not yet matched to a transaction and posted to your account. The Pending Authorizations page shows all the authorizations that merchants have submitted for approval. A transaction may have already posted but did not clear the authorization for various reasons such as different amount, different authorization code, or different merchant ID. Denied transactions may also show here, but will not post to your account.
- Why do I still see the authorization, but the transaction has posted?
An authorization may not clear for a variety of reasons including the transaction varies materially (+/- 20%) from the authorization amount, the merchant authorizes a second time, the merchant does not use the same authorization code provided, a different merchant ID was used when the transaction was submitted for payment, etc.
Making a Payment
- Can I make a payment to my Visa from another financial institution?
You can set up a payment from another financial institution (or Direct Financial) by entering your checking or savings account information on the Make Payment page in Visa Online Access.
- Can I schedule a payment in advance or set up automatic payments?
You can schedule a one-time payment in advance by choosing a specific payment date on the Make Payment page in Visa Online Access. Or, if you prefer, you can also enroll in Automatic Payments and set up a recurring payment based on criteria that you've established.
- Can I mail a payment?
If you prefer to mail your credit card payment, please send to: New England FCU, PO Box 37603, Philadelphia, PA 19101-0603.
- How can I make a payment to my Visa from my Direct Financial account?
Payments from a Direct Financial account can be done as a transfer in NEFCUOnline (which will post within one business day). You can also schedule a payment on the Make Payment page in Visa Online Access or stop in at any New England Federal Credit Union location.
Rewards
- What rewards do you offer?
Direct Financial offers a Rewards Program, which earns 1% cash back on every purchase. To receive specific information as it relates to your card, please contact us at 800.966.8200.
- Can I redeem my rewards online?
Yes, this can be done within NEFCUOnline.