Visa has a risk department that monitors all Visa transactions. They also work with merchants to ensure that company databases are secure. In the event that a merchant has a network intrusion, the company files a report with Visa who contacts all effected financial institutions. Visa provides us with a list of cards that were involved, as well as information that may have been included in the compromise. Members 1st will inform you of a network intrusion and any actions taken to protect your account. Members have no liability in instances of fraudulent card use. If you receive notification that your card has been included in a network intrusion, please monitor your account and contact Members 1st with any unauthorized charges. You may contact a Members Service Representative at (530)222-6060 or (800)303-3838.