To report fraud on your Personal CREDIT card or if it has been lost or stolen please call 1-800-558-3424. If you are calling from outside the United States, please call 1-701-461-1556.

To report fraud on your Business CREDIT card or if it has been lost or stolen please call 1-866-552-8855. If you are calling from outside the United States, please call 1-701-461-1922.

Representatives are available 24 hours a day, 365 days a year.


Call the number below that applies to you.
Stateside: 1-800-528-2273
International: 1-812-647-9794

Call AGCU immediately and talk to a Member Service Representative. Notify them of the country where the card was lost or stolen. Do not depend on email…speak to a person.

Email Solicitation

AGCU will never solicit you for information relating to your account in an email or over the phone.

The NCUA (National Credit Union Administration) does not have any personal information on our membership. Email posing to be from the NCUA is false and an attempt to obtain your personal financial information.

If you have moved we may contact you to verify your current address.

If you are suspicious of an email appearing to be from AGCU, please call us to verify its validity.

Protecting your debit or ATM card

Protecting your Visa® debit or ATM card from fraud requires 24/7/365 days a year monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we’ll contact you immediately so that future fraudulent transactions can be avoided.

What we monitor

Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.

How we contact you

Getting in touch with you quickly is critical to stopping any potential card fraud. 86% of Americans have a mobile device and this offers a convenient and free* method to contact you quickly. With our Card Alert Notification service, you will receive a text message from 877-230-3179 asking you to confirm if a suspicious transaction was authorized by you.

Receiving a text message

The text message will arrive with a 5 digit code (33748) and contain our financial institution name, dollar amount of the transaction and merchant name.

You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.

A “No” reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.

Do not reply to the text message with any personal or confidential card information.

If you would like to opt out of receiving these important messages by text, you may reply with STOP to indicate this preference.

Help us protect you

Keep us up to date with your current mobile and home phone numbers and contact information.

Traveling in the U.S. or to a foreign country for an extended period of time?

Contact us prior to your departure and we’ll make our monitoring more flexible during your travel or vacation time.

* Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.

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