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Debit Card Update::

If you have a Piedmont Advantage Debit Card, please note that your new Piedmont Advantage Debit Card will arrive soon. Upon receipt of this new card, put in a safe place and activate on March 10, 2021, to avoid any interruption of services. You will be unable to activate prior to March 10, 2021.

Vigilance and good planning go a long way.

Financial fraud is a real concern, but there's no reason to live in fear. We'll help you with awareness of the latest security threats with important updates on this page. And when you travel, we'll help make sure you enjoy your journey hassle-free.

COVID-19 Economic Impact Payments are set to start going out over the next few weeks. This will likely result in an increase in scams related to the Coronavirus pandemic. Click here to read the press release from the IRS for information on these payments and how to help protect yourself from fraudulent activity. To see answers to frequently asked questions about the Economic Impact Payments, click here

Travel Notifications

Travel notifications help avoid any interruptions when you access your account outside of your regular locations and access devices. If you don’t set a notification, your card may be blocked for fraudulent activity. While necessary, if you aren’t aware, it can be a frustrating experience. Before you leave home, give us a call at 800-433-7228 to let us know your travel plans. Or send a secure message via your Advantage Access Online account.

You will need:

  • Your Piedmont Advantage Credit Union debit and/or credit card number(s) that you plan to use while traveling.
  • A valid email address
  • A phone number where you can be reached while traveling
  • Your dates of travel and all areas you plan to visit or travel through
  • Your mode of travel (think trains, planes and automobiles)
  • Are you driving and will need to purchase gas in multiple states or countries?
  • Are you flying and need to purchase food during a layover domestically or abroad?

Please contact us as soon as you can, at least 24 hours, prior to travel.

VISA Debit Card Dispute

If you have a charge on your debit card account that is not yours, or the transaction is incorrect, you have the option to dispute the charge. 

If the charge is from a merchant you dealt with, and the charge is the incorrect amount or was charged when you asked for it to be cancelled, please contact the merchant first. A resolution through the merchant will be the quickest way to get a refund.  If you did not make the purchase, or if you cannot get a resolution from the merchant, please follow these steps to dispute the charge. 

  1. Contact the dispute claim line by calling 888-718-6346. Please have the following information when calling:
  • Debit Card Number
  • Date of transaction
  • What is the reason for disputing the claim
  • Amount of transaction
  • Name on Account with your contact information (such as address, phone number, and e-mail addresses)
  1. Remember to take down the claim number that the dispute representative will give you when they take your claim information.
  2. Provisional Credit will be issued within 5 to 10 days of the claim filing date, while investigation is being conducted on the disputed transaction.
  3. Depending on type of claim, you may need to provide information that you have tried to resolve issue with the merchant and were unsuccessful.
  4. Follow up with Piedmont Advantage about your claim process to be sure you have not missed any correspondence that may have been sent to you for review and response in order to continue your claim process. A claim may take up to 120 days to be finalized and closed.
  5. A request for additional information from you, or a request for a response to a merchant rebuttal may be requested or forwarded to you for review and response. If that response has not been received back in the specified time frame, this may result in removal of the provisional credit in your account.
  6. If you have any questions in regards to your claim, please feel free to contact us at 800-433-7228.


*Please note – provisional credits are not guaranteed.  If the merchant has sufficient proof of the transaction, the provisional credit may be removed. 

Mastercard Credit Card Dispute

If you have a charge on your credit card account that is not yours, or the transaction is incorrect, you have the option to dispute the charge. 

If the charge is from a merchant you dealt with, and the charge is the incorrect amount or was charged when you asked for it to be cancelled, please contact the merchant first. A resolution through the merchant will be the quickest way to get a refund.  If you did not make the purchase, or if you cannot get a resolution from the merchant, please follow these steps to dispute the charge. 

  1. Dispute the transaction(s) by going through either the MyPACUCard app or your online banking profile.  For the MyPACUCard app, it’s simple.  Tap the card icon to pull up the transaction history, tap the transaction, tap the dispute icon, and then follow the prompts.  For online banking, it’s just as easy.  Click the link for your credit card, click the View Transactions link, click the Dispute Transaction link, and then follow the prompts.
  2. Or, you can initiate your dispute claim line by calling 800-654-7728. Please have the following information when calling:
    • Credit Card Number
    • Date of transaction
    • What is the reason for disputing the claim
    • Amount of transaction
    • Name on Account with your contact information (such as address, phone number, and e-mail addresses
  3. Remember to take down the claim number that the dispute representative will give you when they take your claim information.
  4. Provisional Credit will be issued within 5 to 10 days of the claim filing date, while investigation is being conducted on the disputed transaction.
  5. Depending on type of claim, you may need to provide information that you have tried to resolve issue with the merchant and were unsuccessful.
  6. Follow up with Piedmont Advantage about your claim process to be sure you have not missed any correspondence that may have been sent to you for review and response in order to continue your claim process. A claim may take up to 120 days to be finalized and closed.
  7. A request for additional information from you, or a request for a response to a merchant rebuttal may be requested or forwarded to you for review and response. If that response has not been received back in the specified time frame, this may result in removal of the provisional credit in your account.
  8. If you have any questions in regards to your claim, please feel free to contact us at 800-433-7228.


*Please note – provisional credits are not guaranteed.  If the merchant has sufficient proof of the transaction, the provisional credit may be removed. 

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Improve Your Finances

Sign up for a seminar or access webinars to gain more financial knowledge.

Debt Simplified Loan Program

Piedmont Advantage offers one of the best consolidation loan programs around. Called Debt Simplified, eligible members may use this limited-time solution to payoff and consolidate outside credit card debt.

Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work, worship or attend school in one of the 12 counties it serves in North Carolina or who are employed by one of its many employer companies. These 12 counties are Bladen, Brunswick, Columbus, Cumberland, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service regions and employs a workforce of over 100.

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