One of our top priorities is to protect you from fraud. To do so, we use Falcon, Visa® USA’s fraud protection service. This service continuously monitors your WSECU debit, credit and ATM cards to help identify and prevent fraudulent transactions.

How Falcon Works

Falcon analyzes your card activity and identifies transactions that are unusual or outside your normal spending patterns. When fraudulent activity is suspected, there are several things that may happen: you may be contacted by our fraud protection service to verify the transaction and in some instances, your card may be blocked or a specific transaction may be declined.


·      If your card is blocked, it is due to a chain of events or transaction patterns that have indicated fraudulent activity may be taking place. In these instances, you will receive a call from Falcon’s automated voice response system to verify the transaction you are trying to process. If you are unavailable when Falcon contacts you and you have voicemail, the system will leave a case number and phone number for you to call. When you call, you will be asked for your case number or 16-digit card number. You will also be prompted to authenticate your account through multiple-choice questions to verify your zip code and the last four digits of your Social Security Number.


·       If a specific transaction is declined, you may not receive a call from Falcon. If you do not receive a call immediately after the transaction is declined, contact the credit union at 800.562.0999. If you are outside the United States, please call 360.943.7911. If it is after business hours, the best option is to use an alternate form of payment. We apologize for the inconvenience this may cause and hope you understand the importance of protecting you from fraud.



Restrictions to Note

The following is a list of countries where using your WSECU Visa and/or ATM cards is currently restricted or not permitted. These restrictions are in place for your protection due to the high volume of fraud that originates from these countries:


  • Cameroon
  • Ghana
  • Papua New Guinea
  • Yemen

From time to time, we have additional restrictions in place for certain card transactions. These restrictions are based on trends or common areas where fraudulent transactions have been identified. Please contact us if you plan on visiting any of the countries listed above or for full details on current card restrictions.  

Additional Information

·         Falcon’s toll-free (866.221.5006) number does not work internationally. If you are traveling abroad, we suggest doing a little footwork to be prepared in case Falcon contacts you on your travels. To do so, click on “Report a Lost or Stolen Card” on the VISA USA website to determine and make note of the phone number(s) that correspond with the country(ies) you will be traveling in.  In the event that you do need to call, ask to speak to Fraud Prevention.

·         If you plan to use your WSECU Visa and/or ATM cards while traveling abroad, please notify us within three business days prior to your travel date. For additional tips and information while traveling, click here.