New Security for Your Debit Cards: EMV 3-D Secure One-Time Passcode

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June 3, 2024

Starting June 17, we’re adding a new layer of security to our debit cards, especially useful for cardholders shopping online. One-time passcodes sent to your mobile phone will help us make sure your transactions belong to you.


How it works: A passcode request will pop up during online transactions when our system detects the need for additional security. If you receive a request, check your mobile phone for a text containing the passcode, then enter it where prompted online. If you don’t enter the correct passcode, your transaction will not go through: Contact us directly at 940-851-4000 to resolve.


One-time passcodes will not apply to most transactions, so don’t be alarmed if you don’t receive a request. But also, don’t be alarmed if you do: This extra authentication step is just a sign that our security measures are working to keep your accounts safe.


If you have any questions or concerns, please reach us at 940-851-4000.
Thank you as always for being a valued member.

EMV 3DS Secure Code One-Time Passcode terms
and conditions for online transactions using your debit card

Please read these terms and conditions in its entirety to ensure that you fully understand prior to using this service. By using this service, you are agreeing to the terms and conditions listed below.

  1. When making an online transaction that requires OTP, the OTP will be sent to your mobile phone number already registered in system via SMS. You must then enter your OTP to complete your transaction on the page of your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that Credit Union is not responsible for the rejection by such merchant to accept your card payments on the basis of this.
  2. By using this OTP service:
    a. You agree to provide your data required for the transaction authorization process in the use of this
    OTP service.
    b. You agree to keep the confidentiality of your card number or personal information that you have entered to this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences relating to all transactions that have taken place using this service.
    c. You understand that OTP service can be used only for transactions at the merchants online that have 3DS Secure.
    d. You agree that the Credit Union is not liable for losses arising from your failure to comply with these terms and conditions.
    e. You understand that messages and data rates may apply for using this service.