Debit Card Fraud Monitoring Program
To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.
If we suspect fraudulent ATM or debit card use, we’ll be contacting you to validate the legitimacy of your transaction(s). Your participation in responding to our communication is critical to prevent potential risk and avoid restrictions we may place on the use of your card. Our Fraud Center may reach out to you in several different manners:
- Text message to text enabled phones (there are no fees associated with these text messages)
- Voice call.
With each communication, we will attempt to verify recent transaction activity on your card. You’ll be asked only to respond whether the transactions were legitimate or not. No personal information will be requested. You’ll also be provided with the toll-free number to the Fraud Center should you have additional questions. Our Fraud Center can be reached 24 hours a day 7 days a week.
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can quickly reach you whenever potential fraud is detected, please keep us informed of your correct email address and phone numbers at all times.
In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from debit card fraud:
1. Unless absolutely required for a legitimate business purpose, avoid giving out your:
- Address and ZIP code
- Phone number
- Date of birth
- Social Security number
- Card or account number
- Card expiration date
Your PIN is private; never give it out.
2. In stores and at ATMs, always cover your card and PIN and watch for:
- Cell phone cameras, mirrors, or other tools used to view cards and PINs
- People watching your transactions
- Cashiers taking your card out of sight; take it to the register yourself
- Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
3. Online, you should never respond to unsolicited emails that:
- Ask you to verify your card or account number; such emails are not sent by legitimate businesses
- Link to websites; such sites can look legitimate but may collect data or put spyware on your computer
Protect your reputation and reduce expenses. Choose from three levels of personal overdraft protection to help avoid the embarrassment of a declined transaction.
Sign up for one of our free classes and get the knowledge you need to make smarter financial decisions.
Access your account, transfer money, check balances, pay bills and more from your smartphone or tablet. Free with Freedom Checking, Simply Checking, and Growth Checking.