USE Credit Union
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Mastercard® SecureCode

If you’re like most people, you’re doing more and more shopping online. Purchases made this way are growing so fast, merchants need to ensure it’s really you doing the shopping. Mastercard® Secure Code was developed to protect you and the businesses where you shop by giving you an easy way to confirm your identity.

How it Works

Whether you’re using your USECU credit or Debit Card, you may be asked to authenticate your purchase at participating merchants. If we have your cell phone on file, you’ll receive a text message with a one-time passcode to complete your transaction. Messages originate from sender “732-87.” If we don’t have your cell phone, security questions will be used instead.

How can you tell you’re shopping at a SecureCode merchant? Just look for the logo when providing your payment information at check out. If you have any questions, please contact us at 866.873.4968.

Real-Time Fraud Alerts

Your USECU Debit Card includes free fraud alerts via text or interactive voice response. If your phone number of record is a text-enabled cell phone, we'll send you a text message regarding any suspicious transactions with instructions on what to do next. If your preferred contact is a landline, you'll receive an automated voice message with the ability to connect directly to our Fraud Center.

Not sure what phone number we have on file? Contact us at 866.873.4968 to ensure these alerts reach you if needed.

All loans subject to credit approval. Rates, terms and conditions subject to change.


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ABA Routing Number: 322281691
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