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Plastic Payment Card Options

Declined Card Transaction Report Card Lost/Stolen Activate Card Card PIN Selection Travel Notification

During business hours: call the credit union directly at (914) 220-4900

After hours and holidays: call our 24-hour Transaction Assistance Emergency Service at (888) 526-0404 or 206.352.4954 – from outside US

By Phone: 1-800-682-6075


Via SUMA Internet Banking: Click on "Options" Tab, then click on "ATM/Debit/Credit Card" Tab, then check off "Block" and hit "Submit" button and then "Confirm" button

Via Mobile Banking Card Controls menu: tap onto "Card Controls" button in the main menu, tap the card that you want to report as lost/stolen, chose one of the options: "Mark as lost and reorder" or "Mark as lost without reordering" if you don't want a replacement card to be ordered, and hit OK. In case of reorder option, your new card will be delivered to your address via regular mail in 5-10 business days.

By Phone: VISA Card: 1-800-411-6390,
Outside US 1-206-352-3477

ATM Card: only during normal business hours - 914-220-4900


Via SUMA Internet Banking: Click on "Options" Tab, then click on "ATM/Debit/Credit Card" Tab, then check off "Activate" and hit "Submit" button and then "Confirm" button

Via Mobile Banking Card Controls menu: tap onto "Card Controls" button in the main menu, tap the button "Activate Card", type in your card number, and hit "Activate". If the "Activate Card" button is not available, it means your card is already activated.

By Phone: 877-746-6746


Due to the elevated levels of fraud, the card transactions in the following countries are blocked automatically:
South African Republic
Russian Federation
The United Arab Emirates
Saudi Arabia

If you plan to travel to one of these countries and plan to use your card there, notify  SUMA FCU by calling 914-220-4900 and ask for Plastic Cards Department.

For all other countries, you can either notify Plastic Cards Department by phone 914-220-4900 or

Use Mobile Banking Card Controls menu: tap onto "Card Controls" button in the main menu, tap the card that you want to add the travel note to, tap the button "Schedule Travel For This Card", input the dates, destinations, and hit "Save".


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Five Tips to Protect Yourself from Identity Theft when Traveling

  1. Clean out wallet before traveling & keep ID and other documents safe.  Remove extra credit cards, social security card, banking cards and various identification cards that contain personal information. Leave your checkbook at home as well. Limit your credit cards and ID to only what is absolutely necessary for your trip. When you are traveling, and IDs such as your passport and other documents are not in use, keep them safely locked up. Lock your passport and other important documentation and credit cards in your hotel safe when not in use.
  2. Be careful when public WI-FI networks. Most shared internet connections you use when traveling may be public, in hotels, airports and restaurants. If your connection is unsecured, someone may be able to see your information. Avoid using public Wi-Fi networks to access financial accounts and important accounts.
  3. Be aware of ATM skimming & theft at ATMs. ATMs are popping up everywhere for convenience, but some may be targeted more than others by thieves. Avoid ATMs in convenience stores, gas stations or other crowded areas. If using and ATM, try to use a Credit Union or Bank ATM, they tend to be more secure.
  4. Keep your cell phone & other mobile devices secure at all times. Many of us have apps on our mobile devices that take us directly to bank accounts and other accounts. You don’t want your mobile device getting into the wrong hands. Set a password on your phone and tablet, so if stolen, it can’t be used.
  5. When you return from your trip check on bank and credit card activity. These are the first places you will see signs of identity theft. Check again in a few weeks for any out of the ordinary activity.

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A staggering 11.1 million Americans are victim to identity fraud in one year alone.* As card use rises, fraudsters are increasingly motivated to find new ways to target real-time, pay-as-you-go transactions.

smsGuardianTM has developed a new text alert solution that directly contacts your cell phone or mobile device based on your card usage. It's protection designed with your safety in mind.

The SUMA FCU smsGuardianTM system can detect potentially fraudulent activity within seconds of a transaction. Our experienced analysts will take action if suspicious activity occurs and smsGuardianTM will immediately block the card, closing the window of opportunity in which subsequent unauthorized transactions could take place. Adding smsGuardianTM to your fraud protection is just one more way to stop ID Thieves in their tracks!*

If you have a SUMA FCU credit, debit or ATM card, you can enroll in our new smsGuardianTM anti-fraud text alert notification service that sends transaction alerts directly to your mobile phone or other SMS-enabled device.

If you receive a text about a transaction that you think is fraudulent, you can reply immediately and your card will be blocked from further criminal activity. This added layer of security enables fraudulent activity to be identified and stopped immediately - significantly reducing the likelihood of subsequent unauthorized transactions.

Here's an example of an alert:

Guardian Alert on card 1234 at XYZ Store for
$500.00. Reply AA1234NO if unauthorized.
Reply STOP to cancel alerts.


If you receive this message and the purchase is legitimate, do nothing. If the purchase is fraud, reply "A1234NO" and your card will be blocked. This service can be cancelled anytime by replying with the message "STOP".*

Enrollment enables the service for one year. Prior to expiration, you will be notified and will be able to text a reply to renew.*

Stay safer and protect yourself from identity fraud today! Register your SUMA FCU Visa card here!

* Changing mobile service providers may require you to re-enroll your mobile device. The cell phone or mobile device must have the ability to send and receive text messages and the use of "short codes" must not be blocked. You are responsible for any text messaging fees from your phone or tablet service carrier. Message and data rates may apply.


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VISA Credit Card Rewards

ScoreCard CashBack® and ScoreMoreTM

It's simple. Earn an annual cash back reward on all qualified* purchases made with your ScoreCard Rewards card. The more you use your card, the greater your reward! You'll be amazed at how quickly your cash adds up! The ScoreCard CashBack program is an automatic feature of your card, so simply choose this card for all purchases and enjoy your reward!

Earn Cash Back When You:

  • Pay bills online
  • Buy groceries
  • Get gas and tune-ups for your car
  • Dine at your favorite restaurant
  • Purchase clothes and home furnishings
  • Remodel your home
  • Donate to your favorite charity
Yearly Purchases* Cash Back
Up to $1,000 0.25%
$1,001 - $2,000 0.50%
$2,001 - $3,000 0.75%
$3,000 & above 1.00%

*Qualified purchases do not include cash advances, balance transfers, convenience checks or returns.

Don't wait any longer to start automatically rewarding yourself!

Click here now to start earning and redeeming your Cash Back.

ScoreMoreTM - Additional Rewards

Click on ScoreMoreTM link within the ScoreCard CashBack Rewards website for shopping at select national, regional and local retailers and get rewarded with additional ScoreCard Cash Back.

What Are the Features of ScoreMoreTM?

ScoreMoreTM is a network of recognized national and regional retailers who offer cardholders added incentives to use credit card by awarding them additional Cash Back for qualifying transactions. Purchases may be made through the following channels:

  • Brick and Mortar In-Store Retailers – National retail establishments are offering Bonus Cash Back when cardholders use credit card for in-store purchases.
  • Online Retail Mall – Hundreds of highly-recognized retailers are providing additional Cash Back available through a Web link to the ScoreMoreTM Mall on the ScoreCard Rewards Website All online purchases made within the ScoreMoreTM Mall qualify for additional Cash Back.
How Does ScoreMoreTM Work?
  • You locate available offers by accessing the ScoreMoreTM Mall via or via Android or iPhone smartphone app "ScoreMore." Some offers need to be activated via website prior to transaction in order to earn cash back.
  • You use your card to make a qualifying purchase at a ScoreMoreTM retailer online or in-store.
  • The transaction posts to your account.
  • Our Loyalty Rewards system receives the transaction for evaluation.
  • You are awarded with additional cash for ScoreMoreTM transactions typically within seven days of transaction posting. Some offers may require additional processing time.
  • You access the website to watch your additional Cash Back balance grow!
How to Redeem Your Cash Back:
  • Real-Time - Call the Credit Union: If you don't want to do it yourself via the Cash Back website, or don't want to wait until $25 is accumulated, or want to redeem a different amount, call SUMA FCU at 914-220-4900 and our Member Service Reps will gladly help you to redeem your cash back reward by depositing it into one of your SUMA FCU accounts or reducing the balance on your VISA Credit Card Loan.
  • In 2-3 days via ACH - Do it yourself: Go to and register your profile. Once in the system, click on "Cash Back" link and follow the onscreen instructions (you would need your routing number and savings or checking account number). Note: you can redeem only if your cashback bonus is at least $25.


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Downloadable Forms (Brochures) - PDFs

Account Disclosure Booklet
Business Account Disclosure Booklet
Deposit Account Disclosure Booklet
Change of Member Information Form Internet Banking Application
Internet Banking Maintenance Form
VISA Credit Card Limit Change Application
VISA Credit Card Pledge of Shares Agreement

Our Savings Products Brochure

Our Lending Products Brochure

Our Electronic Services Brochure
Mobile Banking Brochure
smsGuardian Real-Time Fraud Protection via Text Messaging Brochure
ATM/VISA Debit Card Application
Our Funds Availability Brochure
Direct Deposit Brochure



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Useful Websites*

Credit Union Services:

FREE/deposit-taking ATMs near you
Get your credit report online
Reorder checks
ScoreCard CashBack Rewards site

Credit Union related sites:

Credit Union National Association
National Credit Union Administration

Youth Organizations:

Ukrainian Youth Association (CYM)
Plast - National Scout Organization of Ukraine

Government sites:

IRS Tax Forms
Savings Bond Information
Consulate General of Ukraine in New York

Vehicle Pricing Links:

Carfax: Used car reports
Kelley Blue Book


*The Credit Union is not responsible for the content of websites other than its own. The websites above are for informational purposes only and should not be considered to be endorsed by the Credit Union.


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Fraud Prevention and Credit Reports

Online Protection

Multi-factor authentication and layered security are helping assure safe internet transactions for credit unions and their members.

Identity Theft: What You Should Know

Identity theft is everywhere today. Whether you're shopping online, reviewing an electronic account statement or sending information through the mail, it's important to know who could potentially view that private content.

How Criminals Get Your Personal Information

Criminals can obtain personal information in a number of ways: stealing wallets, purses, and mail containing account statements, pre-approved credit card offers, new checks, and tax information. Thieves will then complete a "change of address" form to divert your mail to another location.

Other tech-savvy scammers will use a method called "phishing," which involves sending fraudulent e-mails to attempt to scam others into revealing personal financial information. Thieves may also try a tactic called "pharming", which is when a hacker creates a phony but authentic looking replica of a legitimate website.

How Criminals Use Your Stolen Information

Criminals may request additional credit or debit cards in your name. Thieves may also open a new credit card account using your name, date of birth and Social Security number but their mailing addresses to receive the cards. When the thieves don't pay the bills, the delinquent account is reported on your credit report.

Some information, such as whether you own a home, pay real estate taxes, or have ever filed for bankruptcy, is public record. However, you should never reveal your account numbers, passwords, or PINs, Social Security number, mother's maiden name or any other sensitive information about your financial accounts unless you initiate the telephone call.  You should never provide confidential or sensitive information to any e-mail request as financial institutions already have your information on file.

What To Do If You Are a Victim

If you suspect you have been a victim of identity theft, don't panic, but do act quickly. Report any suspicious activity to the police, your credit union, the three credit bureaus (Equifax, Experian and TransUnion), and/or your current credit card issuer.

Equifax - 800-525-6582,
Experian - 800-301-7195,
TransUnion - 800-680-7289,
Social Security Administration Fraud Line - 800-269-0271

You can file a formal complaint with the Internet Fraud Complaint Center (IFCC) regarding suspect e-mail fraud at

For additional info and tips you can visit a website produced by the federal government and the technology industry



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