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VISA Account Updater Service

New card? No problem.

Has your Powerco Federal Credit Union VISA® credit card or check card ever been lost, stolen or reissued? The process of having to contact multiple merchants and switch over multiple recurring payments can be a hassle. The VISA Account Updater (VAU) Service is a great way to help you prevent declines of recurring payments due to changes in card information.

The VAU will provide you with a seamless transition when your Powerco VISA credit or check card expires or is replaced. This service will automatically update the card number and/or expiration date on file if you have recurring payments set up using your Powerco VISA credit or check card with merchants that participate in the VAU program.

By default, all Powerco VISA Gold, VISA Classic and VISA Check Cards will be enrolled in this free service, effective October 1, 2017. If you wish to opt-out of VAU, you may do one of the following:

With VAU, there's no more hassle when the following events occur:

  • Your Powerco VISA credit or check card is reissued due to normal expiration
  • Your Powerco VISA credit or check card is lost or stolen
  • Your Powerco VISA credit or check card is compromised

As a cardholder, you can experience

  • An all-in-one account update process
  • No unnecessary communication for changes with your card
  • Less chance of authorization declines
  • Uninterrupted service from merchants who are participating

And, when your card expires or is reissued, you won't have to update your payment information with participating merchants.

  • Skip the time and hassle of re-entering or resubmitting your payment information
  • Avoid declined payments and service interruptions
  • Count on us to keep your card information safe and secure

You will be automatically enrolled in VISA Account Updater. It's automatic and it's free -- there's nothing you need to do to initiate this service. 

VISA Account Updater FAQ

What are card-on-file automated payments?
Account-on-file transactions are payments processed using a card number you’ve stored with a merchant or service provider.

Websites with whom you’ve created an account and saved your credit card information, for example:

  • Transportation services (Uber or Lyft) 
  • Clothing websites
  • Online retailers (Amazon, Wayfair, etc.)
  • Movies/music/eBook download services (Netflix, Pandora, etc.)
  • Online payment services (PayPal, Digital Wallet, etc.)
  • Prescriptions

Automated payments are recurring payments you set up with a merchant or service provider, for example:

  • Phone service
  • Cable or television service
  • Utilities
  • Homeowners’ association dues
  • Music subscriptions
  • Magazine subscription
  • Radio subscriptions
  • Gym membership
  • Anti-virus software
  • Insurance premiums
  • Recurring charitable donations

Will all of my payment information be automatically updated?
No. VAU is only available to participating merchants, and they can choose the frequency at which they check for updated payment information. To avoid late payments and penalties, you must check with your merchant to ensure your card information is updated.

NCUA

This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Equal Housing Lender