Verified by Visa®

Verified by Visa protects your Visa card with a personal password, giving you reassurance that only YOU can use your Visa card online.

You're required to protect your Visa® Check Card with a unique password for online shopping. All you have to do is register with Verified by Visa today.

Then, every time you enter your Visa card number to make a purchase at a participating online store, you'll be asked to supply your password before your transaction can be completed. That way, only you can use your SMFCU Debit cards for Internet purchases. Registration is quick, easy, and FREE! Click here to register now. [external link disclosure]

The Verified by Visa program provides security against unauthorized use of your SMFCU Check Card. Best of all, there is absolutely no added cost for this protection!

Once you're registered, here's how the program works:

When ordering online, you'll start the purchase process by entering your SMFCU Visa Check Card number.
You'll be asked to supply your secret Verified by Visa password.
Submit your password and your transaction is complete, quickly and safely.

Welcome to a safer online shopping experience with Visa and South Metro Federal Credit Union!

*Verified by Visa requires Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above.

Curious about your credit history?
Equifax, a leading credit reporting company, now provides online access to key portions of your credit history. For $9.00, you can review your credit history and check its accuracy.
Learning about your credit history can help you understand how lenders rate credit risk. This in turn may help you avoid making mistakes that would impact your purchase of a dream house or car. To learn more, visit the Equifax Credit Site online.
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Frequently Asked Questions

Q. Will I need to apply for a new Visa card to use Verified by Visa?
A: No. Verified by Visa is designed to protect the Visa card(s) you
already have. Please note: your card number is fully encrypted for your
protection when you submit it to check eligibility.

Q. We have two Visa Check Cards for our one account. How does Verified by Visa work for us?
A: Each of you will register separately and create your own password. Please
note that if one cardholder's registers, then the other should too.

Q: Can I register multiple Visa cards?
A: Yes, you may register all your SMFCU Check Cards.

Q. What is a Personal Authentification Message?
A: When you pay online, this message will always appear before you enter
your password. This way you know you're using the actual Verified by Visa service. (Tip: Use this as a brief reminder of your password. For example, "moms birthday" could be your authentication message.)

Q: What if I forget my password?
A: If you forget your password, you can view your password hint by clicking "Forgot your password" on the Verified by Visa password window. If you still do not remember your password you will need to contact customer service toll-free at 1-888-918-7490. You'll be provided a temporary password that you can use to log in and create a new password.

Q: Once I sign up for Verified by Visa, will I enter my password wherever I shop?
A: You'll enter your Verified by Visa password only in online stores that
are participating in Verified by Visa. To see a list of participating stores, visit Shop with Verified by Visa. [external link disclosure]

Q: What should I do if I suspect that someone has my password or has used it to make a fraudulent purchase?
A: If you ever suspect that a fraudulent purchase has been made with your Visa Check Card, contact the credit union immediately.