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Preventing Debit Card Fraud

Preventing Debit Card Fraud with Enhanced Tools

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

Is there a difference for consumer and business cardholders?

If I'm traveling internationally, will I still receive alerts?

How can I stop text messages if I donít want to receive them any longer?

Will I receive Fraud Alerts 24 hours a day?

If I respond back that the transaction(s) are valid, will you automatically unblock my account?

If I receive an alert, does that automatically block my account from further purchases?

How do I enroll in Fraud Alerts?

How do I know whether I'll receive a Fraud Alert via text, a call, or an email?

What triggers a Fraud Alert?

If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try to complete the purchase again?

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 and transactions, by utilizing Online Banking, Mobile and Text Banking, Telephone Banking, and/or printing interim statements 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.

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.

Fraud Prevention tips provided by the American Bankers Association.
* Some restrictions apply.

HOW CAN WE HELP?

Have questions or need assistance? Just give us a call at 1.800.205.3464. Our Customer Service team is available weekdays from 7 a.m. until 8 p.m. ET, and from 9 a.m. until 3 p.m. ET on Saturdays.

Looking for a different number or an online form? Find it on our contact page.