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Debit Card Information

Yakima Federal Savings has begun issuing enhanced-security debit chip cards to our cardholders.

These high-tech cards that are accepted in the U.S. and around the world contain an embedded computer chip that adds a new layer of protection against fraud for purchases made at the point of sale and when used at ATMs. Information programmed into the chip is personalized for your account and each transaction at a chip-enabled terminal generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

Using a chip card is easy:

  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

You’ll make payments online or by phone the same way as you do today.

While some merchants have already installed chip-enabled terminals, the entire conversion process is expected to take a few years to complete. That’s why chip cards will continue to have a magnetic stripe on the back. That way, if a merchant’s terminal or an ATM is not yet chip-enabled your transaction can still be processed by swiping the magnetic stripe the same way you do today.

There is no need to request a new card and there is no extra charge. You’ll automatically receive your new chip card in the mail before your current card’s expiration date. Once your new card arrives, be sure to activate it for use and then destroy your old card.

Click here to access a list of Frequently Asked Questions.


*** Card Data Compromise Alert ***

Recent card payment data compromises have impacted Yakima Federal Savings and Loan customers.

Please be assured that it is safe to use your Yakima Federal Savings debit card.  We use fraud monitoring services that search for unusual activity and many times prevent those transactions from being authorized.  Following a reported data compromise the monitoring services are adjusted to look for fraud patterns linked to the specific event.  When apparent fraud is detected card holders will be contacted to review transactions and if necessary request a replacement card.

Also, every cardholder should regularly monitor their accounts through the use of Online and Mobile banking and immediately contact us if you find unauthorized transactions.   If you notice any discrepancies between your statement and your own records, please notify us immediately.

 Should you want us to replace your card please contact your branch office and indicate that you are requesting a card replacement as a result of the Home Depot compromise.

 In addition, a recent fraud trend has been identified by our card processor involving the use of cardholder personal information to attempt PIN changes.  The exact source of the personal information is currently unknown however typical sources include social engineering, phishing, and smishing (SMS phishing).  Please be careful not to provide any personal identifying information in response to phone, email, or text message contact unless you independently verify the source of the contact. 


Lost or Stolen Debit/ATM Cards

To report a lost or stolen VISA Debit Card or lost or stolen ATM card, during normal business hours please call 1-800-331-3225 or one of our convenient branch locations . After normal business hours or on weekends or holidays please call 1-800-554-8969 to report your lost or stolen card.

Select or Change Your PIN

You can select or change your custom Visa Debit Card PIN anytime by calling 1-800-567-3451. This service is available 24 hours a day and seven days a week. You will need to have your Visa Debit Card available when you call and will be prompted to enter information to confirm your identity.

Cardholder Awareness

We may be calling you…

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. – issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use,we will be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automated call will ask you to verify recent transaction activity on your card.
  • You will be able to respond via your touchtone keypad.
  • You will also be provided a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Some addition-al tips on protecting yourself from debit card fraud are provided on the back of this insert.

Protect yourself

1. Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and ZIP code
  • Phone number
  • Date of birth
  • Social Security number
  • Card or account number
  • Card expiration date

Your PIN is private; NEVER give it out!

2. In stores and at ATMs, always cover your card and PIN, and watch for:

  • Cell phone cameras, mirrors, or other tools used to view cards and PINs
  • People watching your transactions
  • Cashiers taking your card out of sight; take it to the register yourself
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

3. Online, you should never respond to unsolicited e-mails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate businesses
  • Link to websites; such sites can look legitimate but may collect data or put spyware on your computer.

Leaving the United States?

We are serious about doing all we can to protect you from debit card fraud.

That’s why we are asking you to call us when you plan to travel outside the United States.

We will make sure you’re able to continue using your card without any problems.

It is just one of the many ways we’re working to help ensure your security.

Verified by VISA

Shop online with confidence… Just use your VISA card!

VISA’s multiple layers of security: Get added online protection.

Verified by VISA lets you add an additional level of password protection to online transactions with select merchants, all for no extra cost.* Simply activate your card for this service one of two ways:

1. Visit – it only takes a minute.

2. Or, register when you shop online. Just look for the Verified by Visa symbol and follow these steps:

  • Use your VISA card to make your purchase.
  • Enter your account details.
  • Create your password.
  • You are done!

Then start shopping! When you shop at participating online merchants, you will now be asked for your Verified by VISA password – giving you an extra layer of protection.

Learn more at

*Covers U.S. based cards only. Verified by VISA requires online activation and is for use only at participating online merchants. Consult issuer for additional details or visit

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