The holiday season is a time for joy, generosity and connection, but it’s also one of the busiest times of year for scammers. More shopping, travel and online activity means more chances for a card to go missing or for account information to fall into the wrong hands.
At AGCU, we want you to know exactly what to do if it happens to you, and how to make it less likely in the first place. Save this page so you have these numbers handy all season.
If Your Card Is Lost or Stolen, Act Fast
The sooner you report a lost or stolen card, the sooner we can help protect your account. Here’s who to call.
AGCU Debit Cards
Report your card. Call AGCU right away at 866-508-AGCU (2428).
Report any fraudulent charges. File a Debit Card Dispute Form, or call 833-882-0867 to open a new fraud case on a closed card. This line is available Monday through Friday, 8 a.m. to 7 p.m. CT. Voicemail is available after hours, and calls are returned the next business day.
Request a replacement card. Call AGCU at 866-508-2428 and speak with a Member Care Representative. Please don’t depend on email for this step. Speak to a person.
AGCU Credit Cards
Call 1-800-558-3424 for 24/7 assistance. Missionaries unable to dial 800 numbers may call 1-701-461-0125.
Ministry and Business Cards
Ministry and business cardholders can find reporting steps on our Report Fraud for Ministry Accounts and Report Fraud for Business Cards pages.
How to Spot a Fake AGCU Message
Scammers sometimes pretend to be your financial institution to get your account details. Knowing how AGCU will and won’t contact you makes these messages easier to spot.
AGCU will never solicit you for information relating to your account in an email or over the phone.
The NCUA (National Credit Union Administration) does not have personal information on AGCU’s membership. An email claiming to be from the NCUA and requesting your personal financial information is fraudulent.
If you have moved, we may contact you to verify your current address.
If a message that appears to be from AGCU doesn’t feel right, don’t reply or click any links. Call us directly at 866-508-2428 to verify it.
Protect Your Cards and Accounts This Season
Pay Smart
Consider using a credit card when shopping online. Credit cards generally provide protections for unauthorized transactions and procedures for disputing billing errors.
Watch Your Accounts Closely
Check your accounts often during the holidays, when extra purchases make it easier for a fraudulent charge to slip by. Turn on account alerts so you hear about unusual activity right away, and use MyCardRules in the AGCU mobile app to manage your debit card.
Be Careful on Public Wi-Fi
Avoid shopping or accessing sensitive financial accounts on public Wi-Fi at airports, coffee shops and malls. Use a trusted, secure connection whenever possible.
Smart Cybersecurity Habits for the Holidays
- Use strong, unique passwords for every account, and consider using a password manager.
- Enable biometrics or PINs on your phone and other devices.
- Turn on multi-factor authentication (MFA) wherever possible.
- Watch for suspicious emails and texts. Don’t click unknown links or attachments.
- Keep your software and apps updated. Updates often contain important security fixes.
Know the Scams to Watch For
Most holiday fraud starts with a scam: a fake delivery text, a too-good-to-be-true deal or a phony charity appeal. Learn the warning signs in our guide to the 7 holiday scams that made our naughty list.
Frequently Asked Questions
What should I do if my AGCU debit card is lost or stolen?
Call AGCU right away at 866-508-2428. To report fraudulent charges, file a Debit Card Dispute Form, or call 833-882-0867 to open a new fraud case on a closed card. Then call 866-508-2428 to request a replacement card from a Member Care Representative.
Who do I call if my AGCU credit card is lost or stolen?
Call 1-800-558-3424 for 24/7 assistance. Missionaries unable to dial 800 numbers may call 1-701-461-0125.
Can I report fraud on a card that’s already closed?
Yes. Call 833-882-0867 to open a new fraud case on a closed card, Monday through Friday, 8 a.m. to 7 p.m. CT.
Will AGCU ever ask for my account information by email or phone?
No. AGCU will never solicit you for information relating to your account in an email or over the phone. If you are suspicious of a message that appears to be from AGCU, call 866-508-2428 to verify it.
Keep Your Holiday Merry and Your Money Safe
The holidays should be filled with joy, not worry. Stay cautious, keep an eye on your accounts and save this page in case you ever need it.
Red Flags to Watch For
- Huge discounts on popular products or limited-time deals from unfamiliar websites
- Spelling or formatting errors in emails or online stores
- Unsolicited messages asking you to click a link, download an app or confirm an order
- High-pressure tactics urging an immediate donation or purchase
- Requests for payment by wire transfer, cryptocurrency or gift card
How to Protect Yourself
Shop Safely
Type the store’s web address directly into your browser instead of clicking links in unexpected emails or texts. Use trusted retailers and check the website address before entering payment information.
Pay Smart
Consider using a credit card when shopping online. Credit cards generally provide protections for unauthorized transactions and procedures for disputing billing errors.
Buy Gift Cards Wisely
Consider buying gift cards directly from the issuing business rather than from an unattended retail display. Register cards when possible and keep your receipt.
Stay Secure Online
Be cautious when shopping or accessing sensitive financial accounts on public Wi-Fi. Use trusted, secure connections whenever possible.
Verify Before You Give
Don’t let pressure rush your decision. Take time to verify a charity or ministry independently before sending money.
Smart Cybersecurity Habits for the Holidays
- Use strong, unique passwords for every account, and consider using a password manager.
- Enable biometrics or PINs on your phone and other devices.
- Turn on multi-factor authentication (MFA) wherever possible.
- Watch for suspicious emails and texts. Don’t click unknown links or attachments.
- Monitor your accounts regularly and use available alerts for unusual activity.
- Keep your software and apps updated. Updates often contain important security fixes.
If You Suspect Fraud or Lose Your Card
If you believe you’ve been a victim of fraud or your card is lost or stolen, contact us immediately.
Credit Cards
1-800-558-3424
24/7 assistance
Missionaries unable to dial 800 numbers may call 1-701-461-0125.
Debit Cards
If your debit card is lost or stolen, don’t wait to report it.
Call AGCU: 866-508-AGCU (2428)
Step 1: Report the Fraud
File a Debit Card Dispute Form
Or call 833-882-0867 to open a new fraud case on a closed card.
Monday–Friday, 8 a.m.–7 p.m. CST
Voicemail is available after hours, and calls are returned the next business day.
Step 2: Request a Replacement Card
Always call AGCU at 866-508-2428 for a replacement card after reporting a lost or stolen card and speak with a Member Care Representative. Do not depend on email — speak to a person.
Email & Text Message Safety
AGCU will never solicit you for information relating to your account in an email or over the phone.
The NCUA (National Credit Union Administration) does not have personal information on AGCU’s membership. An email claiming to be from the NCUA and requesting your personal financial information is fraudulent.
If you have moved, we may contact you to verify your current address.
If you are suspicious of an email that appears to be from AGCU, call us directly at 866-508-2428 to verify it.
Keep Your Holiday Merry — and Your Money Safe
The holidays should be filled with joy, not worry. Stay cautious, stay informed and keep an eye on your accounts throughout the season.
Banking with a Purpose.