Using your IBMSECU Visa Debit or Credit card could save you money. Visa’s daily exchange rate in many cases is better than you’ll find in the currency exchange locations here and overseas.
Don’t be fooled by the “ Fees” advertisements for currency exchange. In many cases the ‘Fee’ is buried in the lower exchange you’ll be getting for your US currency. We encourage you to do your homework by using Visa’s Currency Converter where you can compare the exchange rate you’ll be receiving from Visa. On each transaction conducted crossing any international borders, IBMSECU charges a low 2% on the US Dollar as an International Service Assessment Fee.
Reducing ATM fees and risk
Try to plan your withdrawals based on your anticipated spending so that you’re not incurring more ATM surcharge fees than necessary. Also be sure to use ATMs in secure, well-lit areas. Look for the larger local banks. If the ATM looks like it possibly has been tampered with, don’t use it. Protect your PIN. Don’t count your cash at the ATM. All airports will have ATMs; however, the surcharge will be higher, so if possible, wait until you leave the airport to get cash.
Tell us you’re leaving town
Contact our Call Center by calling 800.873.5100 or emailing firstname.lastname@example.org to let us know you’ll be out of town. Make sure we have your current contact information, including email address, on file.
What if my card is lost or stolen?
To report your Visa Credit Card, Visa Debit Card or ATM Card lost or stolen, please contact us 24/7 at 800.873.5100 for assistance.
If you are overseas and calling during ou business hours, Mon-Fri 8:00 a.m. – 6:00 p.m. EST, we will accept a collect call to report your card Lost or Stolen.
If you are overseas and calling outside of our business hours please contact Visa directly by locating the phone number for the country in which you are traveling.