VBSFCU is committed to helping members affected by identity theft reduce the time and effort it takes to restore their financial identity. If you are a victim of identity theft, take the following actions as soon as possible:

Notify your credit unions/banks and credit card issuers immediately if you lose or have your: Debit Card, ATM Card, Credit Card, or Checkbook stolen.

What You Need to Know

If you have discovered that your debit, ATM, and/or credit cards have been lost or stolen, you must inform the credit union immediately.  This is to limit any fraudulent activity that may occur to your account, and may reduce the monetary losses you may incur.

If you believe you have lost your checkbook, or any individual blank checks, you should also report this immediately to the credit union, and put a stop on these checks. If you are unsure of the exact check number(s) or range of check numbers, you may need to close the account and open a new one. Of course, you can avoid the problem by ensuring that your checks are kept secure at all times.

During VBSFCU business hours (M,T,Thur, 9:00 am – 5:00 pm; Wednesday, 10:00 am – 5:00 pm; Friday, 9:00 am – 6:00 pm).  You may call us directly at any of the following numbers:

1-757-463-3650 or Toll Free 1-877-4VBSFCU

Debit/ATM cards
General Questions 757-463-3650 option 4
Lost or Stolen (after hours only) US 800-472-3272
Lost or Stolen International Call Collect 973-682-2652

Credit Cards
VBSFCU cards that have a beach scene:
Customer Service (inquiries) 866-820-3798
Lost or Stolen (after hours only) 800-449-7728

Call VBSFCU at 1-757-463-3650 or 1-877-4VBSFCU or email e-services@vbsfcu.org to report any suspicion of fraud. In addition, inform credit card issuers and other financial institutions affected by the fraud.

VBSFCU Grey/Silver cards:
Consumer Card: 1-800-558-3424
Signature Card: 1-866-234-4691

If there are fraudulent charges made to your account, after making your immediate calls, please come by any of our branches to fill out the necessary fraud report papers. We want to help you so please report any suspicious behavior as soon as possible.

  • Review all your accounts – including checking, savings, credit cards, home equity, brokerage, and phone services – for signs of fraud.
  • Put a stop payment order on any checks that are missing, or close the account and open a new one.
  • Request a “hold” on accounts affected by the fraud, or close any new accounts opened by the fraudster. Write down the names of the representatives with whom you speak, and document your calls for future reference.
  • Follow up your calls in writing, detailing any unauthorized activity you have noted. To support your claim, circle fraudulent items that appear on your account statements, and attach the statements to your written communication. Send these documents to your credit union/bank or credit card issuer by certified mail with a return receipt. Keep copies for your records.
  • Notify the three major credit bureaus to place a fraud alert on your credit report. This will inform creditors that your credit history may not be accurate. Also request the bureau to place a statement in your file asking creditors to call you directly before opening new accounts in your name or before making changes to your existing accounts.
  • File a police report detailing the theft with your local police department or in the community where the fraud occurred.  Make photocopies of the report, as you may need to provide copies to help resolve your case.
  • Contact the Federal Trade Commission at 1-877-ID-Theft (1-877-438-4338) and add your name to is national database of identity theft cases.  This step will help law enforcement agencies prosecute your case.
  • Alert other applicable authorities, such as the Social Security Administration, United States Postal Inspection Service, or the Securities and Exchange Commission, as needed. Protect and start rebuilding your good credit.
  • Open new accounts to replace any accounts you had to close.
  • Change all your personal identification numbers (PINs) and passwords – even on accounts that weren’t affected. Don’t forget email accounts, frequent-flyer accounts, and online merchants – anywhere you use a password.
  • Continue to monitor your credit union/bank, credit card, and brokerage accounts frequently for any new activity that may be unauthorized.

Credit Bureaus
In addition to contacting a credit bureau with your initial report, we recommend that you follow up with a letter to confirm your claim. Be sure to keep a copy for your records.

The links to the credit bureaus are provided below:

Brochure and Forms
You will need Adobe Acrobat Reader to download the following:

Instructions for completing the ID Theft Affidavit and Fraudulent Account Statement forms.

Website: We also encourage you to visit the FTC’s website: