What You’ll Learn
- Get answers to your questions about one-time passcodes for online debit and credit card purchases.
The security of your accounts and personal information is very important to us. To help protect you from fraud, we’ll soon be introducing a new one-time passcode (OTP) security feature for certain online purchases. This enhanced security feature will help block unauthorized users from making fraudulent online purchases with your card and gives you peace of mind while shopping online.
How One-Time Passcodes Work
When you use your Salal debit or credit card online, you might see a message asking you to confirm the transaction with a one-time passcode. A one-time passcode is only required when Visa’s system identifies a transaction that requires extra verification. If your transaction needs a one-time passcode, you will be prompted to select the method you wish to receive the passcode. You can have the passcode sent via text to your mobile phone or to the email address we have on file for you. Once you get your one-time passcode, enter it in the pop-up box on your screen to confirm the transaction and complete your purchase.
Remember, your one-time passcode is unique to each transaction. Never share it with anyone who contacts you asking for a passcode. A Salal representative will never contact you requesting your passcode.
Is Your Contact Info up to Date?
If you need to update your mailing address, phone number, or email address, personal banking members can make those updates in Mobile or Online Banking. If you need help, check out our Contact Information Change tutorial or call us at 800.562.5515. Business banking cardholders can update their contact info by reaching out to their Salal Business Banking Officer or emailing us at BusinessServices@SalalCU.org.
Frequently Asked Questions about One-Time Passcodes
Yes, the one-time passcode security feature applies to all business debit and credit cards. If you need assistance with one-time passcode issues on a business debit or credit card, reach out to your Salal Business Banking Officer or email us at BusinessServices@SalalCU.org.
No. Only certain purchases will require further authentication with a one-time passcode. Visa’s proprietary security system determines which transactions require the extra layer of security provided by a one-time passcode.
Before you complete your purchase, a pop-up window will appear, letting you know you need to enter a one-time passcode. You will have the option of having your passcode sent to you via text to your mobile phone or to the email address Salal has on file for you.
You can select to receive your passcode via SMS text message or email. Note that if your phone number or email address that Salal has on file for you is out of date, you will not receive the passcode. Personal banking members can update their contact information through their Salal digital banking profile or by calling 800.562.5515. Business banking cardholders can update their contact info by reaching out to their Salal Business Banking Officer or emailing us at BusinessServices@SalalCU.org.
For the U.S. and Canada, SMS one-time passcodes are sent from 90742.
Your text message will read:
Do not share this code with anyone. To complete your USD [$$$$] purchase for card ending in XXXX enter this code: ######.
The email containing your one-time passcode will be sent from the email address: visasecure@pscu.org.
Your email will read:
Do not share this Verification Code with anyone. Salal Credit Union will never call to ask for this code.
Please use this code within the next 8 minutes to complete your purchase of USD [$$$$] at [merchant name] on your card ending in ####.
Verification code: ######
For assistance contact your financial institution.
This is an auto generated email. Please do not reply.
If the phone number or email address that Salal has on file for you is incorrect or out of date, you will not receive the passcode. Personal banking members can update your contact information through your Salal digital banking profile or by calling 800.562.5515. Business banking cardholders can update their contact info by reaching out to their Salal Business Banking Officer or email us at BusinessServices@SalalCU.org.
The most common reason for a one-time passcode message not to arrive is because the phone number or email address that Salal has on file for you is incorrect. If you are having trouble receiving your one-time passcode, call us at 800.562.5515 for further assistance.
This extra layer of fraud protection applies to all Salal debit and credit cards. At this time, you cannot opt out of the feature. If you decide you don’t want to use the one-time passcode feature to authenticate your transaction, you will have to use a different payment option.
If you receive an unexpected one-time passcode message, contact us at 800.562.5515. It could mean that someone is attempting to make an unauthorized purchase with your debit or credit card. It’s important to note that Salal staff will never contact you asking for a one-time passcode, any usernames or passwords.
No need to worry. A one-time passcode isn’t required for all online debit or credit card transactions.
If you enter the passcode incorrectly, you will need to contact us at 800.562.5515 or use a different payment option to complete your transaction.
As long as Salal has your correct email address on file, you can receive your one-time passcode via email.
Check out these resources to learn more about protecting yourself from fraud and ID theft:
- Protect yourself from fraud with SavvyMoney Credit Monitoring.
- How to avoid common financial scams.
- Protect yourself from SMS text message fraud.
- What steps to take if you’ve been the victim of identity theft.
