Backed by Visa’s
Zero Liability Policy±

You’re covered if your PenFed credit and debit card is ever
lost, stolen or fraudulently used.


Visa's Zero Liability Policy± is our guarantee that you won't be held responsible for unauthorized
charges made with your account or account information.

Zero Liability Protection±

You're protected if your PenFed credit or debit card
is lost, stolen, or fraudulently used, online or offline.

Worry-free shopping

Shop where you want and how you want with
100 percent confidence. Store your card info with your
favorite merchants and set up payments with
your billers without needing to think twice.

How it Works


Review your card transactions regularly.


If you experience an unauthorized transaction, notify PenFed immediately.


Once an unauthorized transaction is reported, we will investigate and resolve it quickly.


What's Visa's Zero Liability Policy±?

What's covered by Visa’s Zero Liability Policy±?

How can members submit a claim for unauthorized or fraudulent use?

Details and Disclosures Print Icon Print

To receive any advertised product, you must become a member of PenFed Credit Union which includes opening a $5 PenFed savings account.

±Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

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