Foreign Country/Out of State Debit Card Limits
With the increase in debit/credit card data breaches around the country, Austin Telco remains committed to protecting your good name and your deposits. In response to the growing out-of-state and foreign country fraud, we have lowered debit card out-of-state and foreign daily spending limits and placed additional limits and/or blocks on some out-of-state and foreign country transactions. Without previous notification and approval by Austin Telco, out-of-state and foreign country transactions (including internet transactions) will be limited to:
Signature based transactions - $250 per transaction up to a maximum of $3,000 per day
PIN based / POS (Point of Sale) transactions - $1,500 per day
ATM transactions - $800 per day
You may request temporary higher daily debit card limits by logging on to MemberConnect. Once you are logged in, select "Account Settings" and then "Traveling Outside of Texas/USA". The Traveling Abroad or Shopping Outside of Texas/USA feature can be scheduled up to three months in advance and lasts up to a month. If you need assistance or more information, please contact Austin Telco’s bookkeeping department at 512.302.5555, ext. 7190.
We continue to work with our partner, VISA Falcon Fraud Prevention Service, to monitor all accounts in real-time using the latest neural network technology to indentify and prevent fraudulent transactions. Falcon’s neural network technology learns and understands individual cardholder purchase patterns, comparing real-time authorization data with your individual card behavior and existing trends in order to better prevent fraud before it can occur. In the event of a questionable transaction, a fraud representative will phone the cardholder directly to verify the transaction. The representatives will identify themselves as VISA Falcon Fraud Prevention Service calling on behalf of Austin Telco to verify transactions on your credit/debit card. Falcon Fraud representatives will ask questions to verify the cardholders identity (address, date of birth, last four numbers of the primary cardholder’s Social Security Number); but will never ask for numbers off the card or the expiration date.
As an added feature of the Falcon Fraud Prevention, you can submit travel dates, destinations, contact numbers and additional information that will help reduce the chance that your card is inadvertently blocked while traveling. Call Austin Telco’s bookkeeping department at 512.302.5555, ext. 7190 to provide information regarding your upcoming travel plans.