Lost Or Declined Cards

To help protect your account and your identity, as soon as you discover that your card has been lost or stolen please contact us.

For lost/stolen Debit MasterCard card or CU ANYTIME ATM card

  • During regular business hours (M-F 7:30 to 7 MST and Sat 9 to 3), call 505-766-5600 or 1-800-342-8298 outside the Albuquerque area. After hours, please call 1-888-241-2510 (outside the US, call 909-941-1398).

For lost/stolen Visa Platinum Rewards Card

  • During regular business hours (M-F 7:30 to 7 MST and Sat 9 to 3), call 505-766-5600 or 1-800-342-8298 outside the Albuquerque area.

To protect you against fraud, First Financial has placed blocks for debit charges in some areas of the state and country. To keep your charges from being blocked while you travel, please call us before you travel so we can remove the fraud block from your card. We know it can be frustrating to have your debit card denied while on travel, so please call us FIRST!

Why Is My Card Declined When I Am Out of Town?
You card is set up for your geographical area to protect your account and prevent fraud. When transactions start posting in areas where you do not live, work or frequently visit, your card will be blocked in case it has been stolen or your information breached. However, you can avoid your account being blocked by letting us know where and when you will be traveling beforehand, and your account will be noted for your travel.

Who Do I Call Before Going Out of Town?
To let us know you are going out of town, please contact our member resource center at (505)766-5600

Who Do I Call If My Debit Card is Already Being Declined?
If you forgot to let us know and your card is being declined when you are out of town, please contact Falcon, our 24 hr. customer service center at (888)-241-2440.

Who Do I Call If My Debit Card is Being Declined In Town?

In our ongoing efforts to protect your debit card from potential fraudulent activity, certain restrictions have been placed on debit card transactions. These restrictions may cause your non-PIN debit card to be declined at certain merchant types in some states.

Should your debit card be declined, when performing a signature credit-type transaction, please retry the transaction using the Debit/PIN option.

If you need further assistance, please call us at 505-766-5600 or 1-800-342-8298. After business hours, please call Falcon, our 24 hr. customer service center at (888)-241-2440.


Fraud Protection Service For your Debit MasterCard

First Financial Credit Union provides Falcon Fraud Protection as an added layer of security on all our debit cards at no additional cost to you. Falcon monitors your card activity around the clock to detect irregular activity on your debit card.

If suspicious activity is detected a member of the Falcon team will contact you from 1-888-241-2440 on behalf of First Financial Credit union to the phone number(s) we have on file. Once you are on the phone with the agent they will verify your identity by asking questions that may include a portion of your card or social security number. If they left you a message then they will also ask you for the case number referenced in the message.

Lastly, please notify us of your travel plans. Purchases made with your card outside of your local area may be a sign of suspicious activity. We also ask card holders to keep your contact information with us current. You can update your information by sending a secured message through your online banking or stopping by one of our offices.

Keeping your money safe and secure is our top priority. If you have questions about the Falcon Fraud Protection Services call us at 505-766-5600 or 1-800-342-8298.


Learn How to protect yourself from identity theft, and what to do if you are victimized. Click here for more information.

Sign up for identity theft protection with Deluxe Provent, our partner in helping protect you against fraud.

Check Your Credit Report at Least Once a Year

You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies, Equifax, Experian and TransUnion. This free credit report can be requested online, by phone, or by mail.

You can order credit reports from all three bureaus at one time, or you can order one now and the others later. For more information, click here to go to the Annual Credit Report Web site.