Debit Card Security

We take the safeguarding of our customer account information very seriously and monitor debit card activity for suspicious transactions. But 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.

It is important for you to 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.

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.

To help prevent fraud, we monitor debit card transaction activity. Should we detect transactions that fall outside of your normal activity, Fidelity, our card processor, will call you at the phone number on record to verify recent activity. Please note that we will never ask you for your entire account or social security number.

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.