Data breaches are still putting constant pressure on card issuers to mitigate fraud expenses, and that often involves placing restrictions on card use – a tactic that might save thousands in potential fraud losses but can irk members. How can credit unions fight fraud but keep members smiling? Here's what a few credit union leaders did when members pushed back on card restrictions.

1. Make it worth their while. Not long ago, a retailer near the Freehold, N.J.-based First Financial Federal Credit Union was hit with a data breach. First Financial, which has $183 million in assets and 19,000 members, restricted card use at the retailer to get ahead of the fraud. President/CEO Issa Stephan remembered what happened next: "Someone called and said, 'I was at Costco and couldn't get my meds and stuff!'"

Stephan had already thought about that possibility, so with coffee mugs and a stack of gift cards ready, he invited the member to the office. "He came in here, I give him a mug and $25 gift card, and he was a happy member," Stephan explained. He did this for others who raised concerns, often adding a personal note thanking them for being members.

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