Excite Credit Union has recently implemented a new layer of security to help reduce debit card fraud. Starting February 24 you may be prompted to enter a One-Time Passcode (OTP) to authorize some online debit card purchases. Member account security is one of our highest priorities, and enabling this extra measure of security is one more way Excite Credit Union is working to protect your accounts from fraud. 

How it works: When you make a purchase online using your Excite Credit Union debit card, a One-Time Passcode (OTP) request may pop up indicating that you'll need to further authenticate the transaction before the purchase can be completed. Online transactions can be approved, challenged or declined based on a fraud risk score. If your purchase is challenged, you will be required to complete the additional authentication by receiving and entering the OTP. The pop-up options are based on the current information we have on file for you: text message, voice call, or email.

If you do not enter the correct passcode, your transaction will not be processed. You can contact us directly at 800-232-8669 to resolve.

One-Time Passcodes will not apply to most transactions, so don’t be alarmed if you don’t receive a request. But also, don’t be alarmed if you do: This extra authentication step is just a sign that our security measures are working to keep your accounts safe.