Enhanced Security For Online Purchases With 3D Secure

Our 3D Secure debit card service provides peace of mind for online shoppers at participating merchant websites. It is an authentication system designed to confirm the identity of the cardholder when a Visa® Debit Card is used online in suspicious or unusual circumstances (for example, if you’re shopping online while traveling).

A One Time Password (OTP) allows customers to confirm whether the online transaction is legitimate. This password will be sent to your mobile phone.

1. Receive a challenge asking for a code

A pop-up is sent after you make an Online Purchase that asks for a OTP.

2. Receive OTP

OTP is sent via SMS to your registered phone number.

3. Enter the code.

Please enter OTP and ensure transaction reference on OTP screen is matched with SMS (Do not share OTP to anyone else).

Phones with a OTP being used


No. The password is required only at merchant websites that support 3D Secure (3DS) authentication protocols. Entering the password provides extra security for online transactions.

A transaction originating with a 3D Secure merchant passes through a risk-assessment process. If the authorization is considered a higher risk or out of normal activity, a code will be generated to validate the purchase.

If an online merchant is 3DS enabled, the website will display the logo of 3DS card scheme such as Visa Secure.

Please call a Customer Service Specialist at 1-800-280-8280 or visit your local banking center to update any account information.

If you receive a failed authentication or an error message, contact a Customer Service Specialist at 1-800-280-8280 or visit your local banking center.

You are now leaving United Fidelity Bank

United Fidelity Bank provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by United Fidelity Bank, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL