Cardholder Travel Information

GKCU always takes extensive measures to minimize and prevent fraud. However, there are precautionary measures that cardholders should take, as well. Check out our travel checklist and tips!

Travel Checklist

Keep your accounts accessible while traveling by setting up a Travel Notice with GKCU! This online form allows you to provide us with advance notice of your travel details and indicate the debit and/or credit cards you plan on using while traveling. GKCU monitors your account activity daily and may potentially decline a card transaction from an unusual location. Providing your travel details in advance may prevent your card from being declined if an unusual transaction occurs from a new location. To ensure your card(s) are available and ready to use while you travel, set up a Travel Notice now.

Set Up a Travel Notice Today Through Connect GKCU >>

Enroll in Connect GKCU before you leave for a trip so you can send and receive encrypted messages through our online Message Center. We do not use email, which is not encrypted, to correspond with members who have account-related questions or issues.

The Credit Union has limited access to payment systems in Brazil, Malaysia, Pakistan, Romania, Spain, Thailand, Turkey and Ukraine. In most cases your card will work in these countries, but let us know if you are traveling internationally and we will give you up-to-date information we have for that region and exclude your card from certain fraud protection strategies that may impact your trip.

Transactions in certain countries may also be limited by the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC). In these instances, the Credit Union will not be able to remove card restrictions. For example, your ability to use your cards in Cuba remains extremely limited due to the US trade embargo against Cuba, as well as the developing payment landscape in that country. While some aspects of the embargo have been lifted, many remain. It is important to note that there is a high likelihood your cards of any brand will not be accepted or function in this area. Furthermore, the Credit Union will not be able to bypass any restrictions to allow your card transactions. Anyone traveling to Cuba should be prepared for these limitations.

It is important to make sure that your card is not damaged, you know the correct PIN, and the card is not going to expire while you are away. Test the card before trusting it with your trip.

Problems can always happen with debit and credit cards, ATMs and payment systems. It’s a good idea to be prepared and bring additional debit or credit cards along with some cash.

Luggage, briefcases, articles of clothing, purses and wallets can all be easily lost or stolen. It is a good idea to separate your cash from your payment cards and put your various payment cards in different places such as in your luggage, in your briefcase, or in a wallet or purse you carry separately. This way, if one of your cards is lost or stolen, you will still have access to funds when needed.

Photocopy the front and back of any card or traveler’s check you bring with you and keep the copies with a trusted family member or friend who is not traveling with you. If your cards are lost or stolen on your trip, these copies will contain all of the contact information and account numbers needed to close the cards and prevent additional fraud.

Travel Tips

Protect your wallet and purse while sightseeing. Pick-pocketing is very common with international travel.

Where possible, stick with reputable companies. When booking online, read the terms and conditions of your rental agreement carefully before confirming your reservation. If you’re booking over the phone, ask questions regarding penalties and fees for late returns or no shows. Make sure you understand what charges you may be agreeing to. Verify state and local taxes, airport surcharges, gas, and drop off charges to prevent unexpected extras. Inspect the car with the rental car representative upon pickup. Make them document any dings, scratches, or other damage prior to leaving the rental site. Also confirm that the odometer reading and gas gauge are properly recorded on your contract. Take photos of the odometer, the gas gauge, and any damage upon pickup that may help dispute any unwarranted charges.

Most cell phone providers offer a temporary international calling plan that can be added. This option will allow you to place international calls at a much lower cost than if you try to place or receive a call without an international option.

1 Contact the Credit Union for details or to inquire about these restrictions and/or to have the blocks removed for the duration of your travel.