COVID-19 Update: - Branch Lobbies Now Open (Mask Required) & Extended Call Center Hours

Join us for our Annual Meeting of the Members on Saturday, April 17 at 10:00 AM. Register HERE by April 16 at 5:00 PM.

Lost Your Card?

Lost Your Card? Suspicious Transaction?
You’ve come to the right place.

Lost your card?

  • During business hours, give us a call: 406-758-0430
  • If we’re closed, give CO-OP a call at 888-241-2510
    • CO-OP monitors our cards for suspicious activity - and are available to turn off your card anytime!
  • Expect your new card in 7-10 business days. Weekends and holidays may affect delivery times.

 

Unauthorized Transaction

  • Unauthorized Transaction: A transaction posted to your account that you did not authorize.
  • If it is a merchant you’re familiar with, try contacting them first to see what information they can provide.
  • You have 60 days from when the transaction appeared on your printed statement to report a dispute.
  • Give us a call to complete the dispute form for you – we’ll send it to your email to esign through DocuSign. 

 

Inaccurate Transaction

  • Inaccurate Transaction: A transaction you deliberately made that doesn’t appear correct. (ie. Last week’s dinner came through for $65 instead of $45.)
  • Contact the merchant first to see if they’re able to correct the charge immediately.
  • You have 60 days from when the transaction appeared on your printed statement to report a dispute.
  • If after reaching out to the merchant you still need to dispute the charge, give us a call to complete the dispute form for you – we’ll send it to your email to e-sign through DocuSign. 
  • Try to find whatever documentation you have to support your dispute – receipts, email correspondence, etc.

 

24-Hour Fraud Protection

  • CO-OP Fraud Monitoring is a service we provide to you for 24/7 card security. CO-OP monitors your card activity and flag any transaction that is outside of your normal spending activity. They will attempt to call you to verify the activity on your account, and if the transaction activity is concerning, they will turn off your card.
  • Contact CO-OP 24/7:
    • United States: 1-888-241-2510
    • International: 1-909-941-1398

 

Card Security Tips + Tricks

  • Before using an ATM or gas pump, check for skimming devices in the card reader
  • Make sure we have your most up to date contact information
  • Avoid sharing your card or its information with anyone
  • Cover the keypad when inputting your PIN
  • Set up alerts in online banking
  • Memorize your PIN
  • Travel notifications: Reporting your out of state or international travel helps our fraud monitoring from interrupting unusual spending while away from home. While traveling, keep our 24/7 fraud monitoring number somewhere other than with your card.
    • Contact CO-OP Fraud Monitoring 24/7:
      • International: 1-909-941-1398
      • United States: 1-888-241-2510
  • Online shopping: Look to see how the url is structured. It doesn’t always mean fraud, but watch for websites using http:// (instead of https://).  The S in https:// stands for secure and indicates that the website uses encryption to transfer data – stopping hackers for getting access.

 

Branches

Branches

Take a look at all eight of our locations across Northwest Montana.