Preventing Debit Card Fraud
What We Do: Monitoring and Fraud Alerts
We take the safeguarding of your account very seriously and monitor debit card activity for suspicious transactions.We are always looking for ways to stop fraud faster, and with our enhanced fraud prevention tools, we can do just that.
With Text Fraud Alerts,we can quickly text you if we see something suspicious. If you receive a fraud alert message, just respond whether the transaction was yours or not. And don’t worry – if you miss our text we’ll also try to call you or send you an email.There’s no need to enroll, and messages are free for U.S. customers with AT&T, Verizon, Sprint, or T-Mobile service.Remember: we will never ask you for your entire account or social security number.
You should know that if you are the victim of debit card fraud, we will protect you. The Electronic Funds Transfer Act protects consumers from losses due to debit card fraud artists if you report fraud in a timely fashion. MasterCard® has taken the protection a step further by instituting a zero liability policy stating consumers will not have to pay for any purchases made fraudulently using MasterCard® debit cards, regardless of the time it takes to report the incident.*
Peace of mind no matter where life takes you.
FAQs
What triggers a Fraud Alert?
Transactions that we have identified as potential fraud, including transactions outside your normal activity, trigger the alerts. It's important that you respond to these alerts to avoid unnecessary account disruption.
What You Can Do:
It is important that you protect your debit card, just as you would cash, credit cards and checks. However, there is another threat to debit card users that is unique - and it’s called “skimming.” Skimming occurs when thieves set up a device that captures the magnetic stripe and keypad information from ATM machines and gas pumps.
To avoid becoming a victim of fraud, the American Bankers Association offers these tips:
- Check your bank statements immediately.Make sure all payments are yours.
- Periodically check your account balance andtransactions, by utilizing Online Banking, Mobile and Text Banking, Telephone Banking, and/or printing your current account balance at the ATM
- Contact us immediately if your card is lost, stolen or subject to fraudulent use.
- Memorize your PIN and never share it with others.
- Keep your receipts.
- Cross out all spaces on debit slips, such as the tip line so amount cannot be changed.
- Know your limits - limit daily purchases and withdrawals for your protection.
- Do not use an ATM if it looks suspicious; it could be a skimming device.
- Do not give your PIN to anyone over the phone.
- Make sure to keep your mobile phone number updated with us.
If you have travel plans, or your phone number has changed, please notify Customer Service or your banking center to avoid interruption of your card.
