No alerts I know of with PenFed on debit card that i am aware of. Being addressed as mentioned and don't see any pending charges or posted charges so hopefully it is the end of it just weird such a large CU doesn't have these basic controls whether locking cards or transaction alerts on DEBIT cards.
Actually I lied does have alerts, but the DEBIT ones did not go off and usually ATM withdrawls for whatever reason are delayed by at least an hour when email comes through. Suprised didnt get emails on DEBIT purchases swiped or keyed in... not a one. edit maybe the pre-authorized witthdraw would of notified me? regardless they need a lock mechanism. From what I can see just logged into account not a a way to disable Credit cards either(baffled). anyways, just strange and way behind the times and their website is better than alot of other small CU's that have these features.
@CreditCuriosity wrote:How this didn't trigger their algorithm I have no idea, but saw it yesterday. Needless to say was on with PenFed fraud team for about an hour yesterday. If any clear they will be taken care of. Funny thing is use debit card maybe once a month to take out cash otherwise in safe. I used it at a non-bank atm at a bar needed cash to play pool and suppose there was a skimmer on that machine or line wasn't encrypted. Fun times! 95% of time it is in the safe, but just happened to have it with me as had to get cash for house cleaning person a few days prior to actually make that used twice that month.
Also how PenFed being 2nd biggest CU doesn't have lock on the card drives me nuts as well. They said that will be coming soon after our discussion to be seen if that happens.
Sheesh, 3 duplicate charges and and two more duplicate charges and that didn't trigger any alarm? I don't use debit cards but last June or so Penfed had a checking bonus that required some debit transactions so I did the Amazon gift card reloads and then deleted the debit card from my Amazon payments. Two months later I got hit with some fraudulent charges on the debit card, but small ones $6-7 from Uber, about 4-5 of them, so I called Penfed. They gave me temp credit for them and it took a month or so to get them permanent. I told them I did NOT want another debit card since they don't have a lock feature, a major omission for such a large CU. Well, they sent me one anyway; I never activated it, so it should be safe from any fraud going through.
I don't use debit cards for ATM also, my Walmart store card gets up to $100/day cash "over", faster & easier then an ATM; no fees & no interst if you PIF. Earlier this year I had the bright idea of using my BBVA debit card for a purchase at an AZ recreational marijuana dispensary; $3 fee from that machine + $3 fee from BBVA, so now it's only cash for my stash . . . from my Walmart card. 
Wow! And here I am trying to establish accounts with them. (Which seems to be taking for ever.) I'm really second guessing now. I may just stick to what I have. I dont have time to even think about having to deal with fraud. SMH Thanks for the post.
My main cash holding and DD account at my CU has no debit cards attached to it for this very reason. I keep about $300-500 in cash around and I'll have DW hit the bank if that gets used to under $200. I have that PNC virtual wallet thing with about $800 sitting in it that *does* have a debit card attached to it, but none of my bills come off of that. It's mostly an isolated account for playing around with crypto, but I can push to it from my CU and pull cash if necessary as well.
I'm learning a lot here by reading these comments. The main lesson is to avoid using our debit cards, specially on sketchy ATMs. Bank of America and Discover do a good job at detecting that kind of activity. I also have 3 way notifications for $1 purchase; mail,phone,widgets, and check Mint everyday twice on Sundays.
