One-Time Passcode Purchase Protection

Starting July 1, EPFCU is rolling out a new security feature for your debit and credit card transactions. In partnership with Mastercard®, we’ll be introducing a One-Time Passcode (OTP) to add an extra layer of protection to your account. This added feature will help us keep your money safe by verifying transactions that appear unusual based on your personal spending patterns.

How It Works:

• Card-not-present transactions (like online purchases through Amazon®, Walmart®, Target®, and other apps) may be flagged if they seem out of the ordinary.
• If a transaction is flagged, you’ll receive a passcode via email or text to verify the purchase before it’s processed.
• In-person transactions will not be affected by this new feature.

Only unusual transactions will trigger this additional step—most purchases will proceed as usual. To make sure your transactions are processed smoothly, please ensure your contact information is up to date with us. This added layer of security is designed to keep your finances safe and make your transactions as secure as possible.

Change your contact info in epOnline under Settings



†SOT OTP code terms and conditions for online transactions using your debit and credit card Please read these terms and conditions in their entirety to ensure that you fully understand prior to using this service. By using this service, you are agreeing to the terms and conditions listed below. 1. When making an online transaction that requires OTP, an OTP will be sent to the phone number or email registered in EPFCU’s system. You must then enter this OTP to complete your transaction on your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that EPFCU is not responsible for the rejection by such merchant to accept your card payments on this basis. 2. By using this OTP service: a. You agree to provide your data required for the transaction authorization process in the use of this OTP service. b. You agree to keep the confidentiality of your card number and personal information that you have entered for this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences related to all transactions taking place using this service. c. You understand that the OTP service can be used only for transactions at the online merchants that are enrolled in EMV 3DS. d. You agree that the credit union is not liable for losses arising from your failure to comply with these terms and conditions. e. You understand that messages and data rates may apply for using this service.