Credit Card Security Center

Explore our tools and resources built to help you protect and manage your credit cards.

Resources to Protect Your Credit Card

At Citadel Credit Union, your security is our number one priority. As a valued member, you have access to these digital tools and security offerings:

Set Controls for Your Cards

Turn your cards on/off, set spending limits, and manage location settings with Citadel Card Control. Learn More.

Get Real-Time Account Alerts

Enjoy peace of mind when you’re on-the-go by enrolling in Citadel Account Alerts. You can customize when and how you get notified about your credit card activity. Learn More.

Security & Fraud Monitoring Services

We are committed to keeping our members safe – that’s why we monitor for suspicious transaction and credit card activity. We offer several options to help you protect your accounts:

Automatic Mobile Alerts

We’ll send an alert to your mobile phone when potentially fraudulent activity is detected on your credit card.

Text & Voice Alerts

We’ve partnered with SMS Services to provide real-time fraud alerts via text message or digital voice phone alerts. Register online.

Citadel Identity Theft Protection

As a valued member, you have access to the nation’s most trusted identity detection and recovery services. Enroll now.

Built-In Credit Card Security Features

  • Online & Mobile Banking – view your transactions and manage your account 24/7 with our Online & Mobile Banking tools. Learn more.
  • Contactless Cards – your contactless card uses the latest chip security, so it is just as safe as inserting a chip card. Explore Now.
  • EMV Chip Enabled – all Citadel credit cards have EMV chips, making it safe and secure pay at chip-enabled terminals. Learn more.
  • Mastercard ID Theft Protection™ – provides you with access to a number of identity theft resolution services. Enroll now.
  • Mastercard Global Service™ – provides worldwide, 24-hour assistance with reporting and replacing a lost or stolen credit card. Simply call the phone number on the back of your card.

Learn How to Protect Yourself

Citadel is dedicated to protecting the finances, privacy, and data of our customers.

Learn More

Frequently Asked Questions

Do all Citadel Credit Cards come with the EMV chip?
Yes, Citadel is committed to the security of your Credit Card transactions. A chip transaction adds another layer of security to cards by requiring the chip to produce a single-use code to validate the transaction, further protecting your card from unauthorized use. This process makes your chip card information more difficult to steal and therefore makes your chip card more difficult to counterfeit.
How does the chip make my card more secure?

The chip alone does not make your card more secure. A chip transaction adds another layer of security to cards by requiring the chip to produce a single-use code to validate the transaction — further protecting your card from unauthorized use. This process makes your chip card information more difficult to steal and therefore makes your chip card more difficult to counterfeit.

Can my debit or credit card information still be stolen?

The chip is just one additional layer of protection. The chip alone does not make your card more secure. A chip transaction adds another layer of security to cards by requiring the chip to produce a single-use code to validate the transaction — further protecting your card from unauthorized use. This process makes your chip card information more difficult to steal, and therefore makes your chip card more difficult to counterfeit.

How do I pay at a chip card reader?

Instead of swiping the card at the merchant card reader, you’ll insert it into the slot in the front of the chip card reader. Leave the card in the chip card reader until your purchase is complete. If a signature is required, just sign, and always remember to take your card when you’re done.

Still have questions? Visit our help center.