Payments/Fraud/Disputes
How do I make a Payment on my account? The fastest and easiest way to make a payment is to transfer the funds to your S99 VISA PAYMENT account at https://www.tcfcu.com online banking.
You may also use the “Make A Payment” option in Mycardinfo to set up an ACH payment from any financial institution checking or savings account.
Of course, you can always make a payment by stopping in any of your convenient Town & Country FCU branch locations, or by mailing payment to:
Town & Country FCU
PO Box 9420
So Portland, ME 04116-9420
If you have any questions, please contact our member service center at (800) 649-3495.
If I suspect Fraud or Forgery, what should I do? Visit our Online Assistance page and fill out a Fraud and Forgery Affidavit. Complete the form, and fax to (207) 772-3624 or mail to:
Town & Country FCU
PO Box 9420
So Portland ME 04116-9420
If I want to Dispute a transaction, what should I do? Visit our Online Assistance page and fill out a Dispute Form. Complete the form, and fax to (207) 772-3624 or mail to:
Town & Country FCU
PO Box 9420
So Portland ME 04116-9420
Is Mycardinfo safe? Yes! Mycardinfo is designed to keep your account information secure. Your session will time out after 20 minutes of inactivity and your account number is never displayed on the screen. Also, you have the ability to select specific security questions that only you would know the answers to. If you have any questions please contact our member service center (800) 649-3495.
Card Activation & Use
How do I activate my card? When you receive your card, please call 888-691-8661 from your home phone (the phone number on record with us as your home phone number). Once your card is activated, don’t forget to enroll in MyCardInfo for full online access.
My card has been lost/stolen, what should I do? Please call (800) 649-3495 immediately to report your lost card. Our member service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where your card was lost/stolen and the last authorized transaction on the card.
What is Verified by Visa and how do I register? Verified by Visa is another layer of security Visa offers its members for online purchases. Please visit Visa’s Verified by VISA website to register and for more information.
How can I get my credit limit increased? Contact Town & Country FCU at (800) 649-3495, apply online at https://www.tcfcu.com, or visit any Town & Country FCU branch location.
General Information
What is APR and how do I find my APR information? APR is annual percentage rate, this is the amount of interest that is billed to your account for the convenience of carrying a balance. The APR is shown at the bottom of your monthly VISA statement.
What is a minimum monthly payment? This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to 3% of the new balance.
Who do I talk to if I need help understanding my credit card statement? If you have questions regarding your statement or if you feel there is an error please contact our member service center (800) 649-3495.
How does Town & Country FCU keep my private information private? Your privacy is very important to us. Please refer to our Privacy Policy for specific policies and information.
I am traveling internationally. Can I use my credit card? Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We do strongly recommend that you call our member service center (800) 649-3495 prior to your departure as a fraud protection measure. When traveling internationally please use the direct dial number of 00-1-207-773-5656. The toll free number will not work outside the United States.
Can I add an additional user to my credit account? Yes, please call our member service center (800) 649-3493. They will quickly gather the necessary information from you. There is no fee for adding a secondary user.
Account Access
I forgot my account password or user name, how do I get a new one? In the event you are unable to log into your account online please call (800) 649-3495, or use the I Forgot My Username or I Forgot My Password options in MyCardInfo.
How do I make a cash advance? There are three convenient ways to get cash from your credit card. You may visit a Town & Country FCU branch office, a bank or credit union that displays the Visa logo, or call to request a PIN to make withdrawals from any ATM.
How do I get a personal identification number (PIN)? As a security measure to protect you, the personal identification numbers (PINs) are not created unless they are requested. To request a PIN, please call (888) 891-2435.