Your security is important to us

How we protect you

  • We protect the confidentiality of your data by encrypting sensitive information with 128-bit Secure Socket Layer (SSL). This helps ensure that sensitive information can only be viewed by you and opensky.
  • We use firewall systems and intrusion detection software to protect our systems.
  • We build information security right into our systems and networks using internationally recognized security standards, regulations, and industry-based best practices.
  • We work with a third party vendor that provides strong authentication controls following guidance provided to all financial institutions by the Federal Government's banking regulators.
  • At opensky our employees are required to take information security awareness training and to apply this training to their job every day.

What you can do

  • Your log in credentials, your user ID and password, are your unique keys to accessing and managing your opensky account. Do not write them down or share them with anyone.
  • Keep your credentials safe – whether they are for your financial accounts or other websites. Never share your user name, password, or security questions with anyone, and beware of suspicious e-mails or unsolicited phone calls asking for this information.
  • Be aware that no one is watching you enter your credentials, and always ‘log out’ or ‘sign out’ of any websites, as well as remember to close the browser when leaving a computer.
  • Take care and install and regularly update anti-virus and anti-spyware software. Perform frequent scans of your computer. Protect your computer with a firewall.
  • Be aware and learn how to protect yourself from malicious email and malware infections.

Important contact information

  • For a lost or stolen credit card, please call our Customer Service number located on our Frequently Asked Questions under "Lost or stolen card?".
  • To report suspicious or fraudulent activity, please call the number printed on the back of your card.
  • To reset your password, please call the number printed on the back of your card.

Frequently asked

Lost or stolen card?

You can report your card lost or stolen by phone by contacting us directly at 1-800-859-6412. We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service. We will immediately place a block on your card and issue you a replacement card with a new card number.

Who should I contact if I have not received my new credit card?

Please allow up to 12-14 business days from the date of your approval letter to receive your new credit card. If you have not received your card within this time, please contact us by calling 1-800-859-6412 (24/7). We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service. We will review your account to determine if there has been any unauthorized charges and a new card will be issued.

How can I withdraw or cancel my application?

Should you choose to withdraw your application, you may do so by contacting Customer Service at 1-855-763-6736.

How do I report suspected fraud?

Please contact our Customer ServiceDepartment by calling 1-800-859-6412. We welcome relay calls, please dial 711(Nationwide) to engage Telecommunication Relay Service.

Why does it take so long for my payment to post?

Your payment is posted the same day the payment is made provided it is received before the daily cut off time. It may take up to five business days following the receipt of your payment to restore your Available Credit for future purchases.