VAU Opt Out

When you use your Heartland Federal Credit Union Visa debit (check) and credit card for recurring payments, like utility bills, Visa will automatically update your card information through the Visa Account Updater (VAU) service whenever your card information changes. All Visa credit and debit card holders enjoy this benefit; no enrollment or activation is required.

Here’s how VAU works:

When your card’s expiration date or card number changes (if the original card is lost/stolen or reissued due to closure), Visa will communicate your new card information directly to participating merchants you have authorized to charge your card. VAU only applies to recurring Visa debit and credit card payments, and updates are only sent to qualified participating merchants.

VAU is designed to help prevent interruption of your recurring payments and possible service disruptions when your card information changes. Because not all merchants subscribe to VAU, we recommend that you notify each merchant of your new debit (check) or credit card number and/or expiration date to ensure your payments continue uninterrupted.

If you wish to opt-out of Visa Account Updater, you may do one of the following:

  • Complete the online Opt Out Form below
  • Call Heartland FCU at 937.294.1991

VAU Opt Out Form


Our 85th Annual Meeting will be held on Tuesday, June 30 at 7 PM at our Moraine branch. HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch services are available through Drive-Thru, Night Drop, ATM and appointments. Learn more about our response to COVID-19
+ +