Card Help Center

Learn how to quickly and securely address issues like a lost or stolen card, unauthorized charges, or updating your PIN, so you can stay protected and in control of your finances.

Debit Card Information

What to do:

- If you have lost your card or it was stolen, or if you suspect fraud or receive suspicious emails/phone calls, contact us immediately:
  - During Business Hours: 269.375.6702
  - After Hours/Holidays: 866.652.7143.
- During business hours, at all branches but Lawrence, a new debit card can be issued the same day. For the Lawrence location, please visit the nearby Paw Paw branch if you'd like an instant-issued card, or one can be sent the next day.
- Follow this guide to file a credit or debit card dispute and better understand the progress.
- Call 800.851.4859 and follow the prompts. You will need to provide your card number.
- Change your PIN at any Arbor Financial ATM (Note: You cannot change it at the ATM if forgotten).
- For assistance, contact 269.375.6702 during business hours.
At Arbor Financial Credit Union, we strive to make your credit or debit card dispute as straightforward and transparent as possible. Here’s a guide to help you understand the steps involved when you file a dispute for regular transactions (not stop payments). Follow this guide to file a credit or debit card dispute and better understand the progress.

Credit Card Information

What to do:

- If you have lost your card or it was stolen, or if you suspect fraud or receive suspicious emails/phone calls, contact our Credit Card Cardholder Services 24/7 at 866.591.2802
- Follow this guide to learn how to file a debit card dispute.
- Call 800.851.4859 and follow the prompts. You will need to provide your card number.
- Note: Credit card PINs cannot be changed via Arbor’s main line or branches.
At Arbor Financial Credit Union, we strive to make your credit or debit card dispute as straightforward and transparent as possible. Here’s a guide to help you understand the steps involved when you file a dispute for regular transactions (not stop payments). Follow this guide to file a credit or debit card dispute and better understand the progress.

Frequent Questions and Help

Account Security & Fraud Prevention

At Arbor Financial, we prioritize the security of our members' accounts by monitoring them closely. However, it’s crucial that you regularly review your accounts for any unauthorized transactions. Timely reporting is essential, as delays may limit your ability to dispute fraudulent activity.

To ensure your protection, Arbor Financial may contact you via text, email, or phone call to confirm certain transactions.
We will never ask for your account number, password, username, or verification codes via text or email.
We do not send links prompting you to enter personal information.

If you are in the dispute process and receive correspondence from the following address, please respond promptly to avoid delays:

Cardholder Services
PO Box 31112
Tampa, FL 33631-3112

Traveling Soon? Let Us Know!

Heading out of state or abroad? Notify us before you travel to ensure your cards works seamlessly during your trip. Out-of-state or international transactions might be flagged as potential fraud and temporarily blocked until we can confirm your authorization.

How to Set Up a Travel Memo:

Call Us: Dial 269.375.6702 to share your travel plans.
Send a Secure Message: Use Online & Mobile Banking to notify us.
Submit a Travel Notification within Mobile & Online Banking:
- Go to the Main Menu
- Select More > Account Services > Travel Notification (under the Card Management section)
- Fill out and submit the form.

You’re all set for worry-free travel!

Protect Yourself Against Card Fraud with the Card Control App

Card control services are available for your Arbor Financial credit and debit card in one convenient app.*

Lock and unlock your card(s) for security
Set alerts on your card(s) and get notifications when it is used
Report your credit or debit card lost or stolen
- If your credit card was previously registered in the Card Control App, you will automatically receive a new replacement digital credit card that can be added to your digital wallet.
Set notifications and control limits for better security
Set-up travel notifications to ensure uninterrupted use of your card when out of town

Get the App