Fraud Prevention Services
We have fraud prevention services which provide notification (by e-mail, text and phone call) to alert you of possible fraudulent activity associated with your card.
Here’s how it works:
- When potential fraud is detected, you will receive an automatic email notification with the option to reply with “fraud” or “no fraud.”
- One minute after the email, you will receive a text alert from 32874 between 7 am and 9 pm EST, which also has the “fraud” or “no fraud” option.
- If there is no response five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.
Remember, our messages will NEVER ask for your PIN or account number.
The phone number for the Fraud Center is 1.800.417.4592. If you add this number to your phone contacts and label it “Fraud Center,” it will display whenever you get a call from this number.
Bank Initiated Hot-Carding
Our fraud center quickly blocks a card to prevent further transactions after known fraud occurs.
Customer Initiated Hot Carding
We also offer convenient methods for immediate customer deactivation of a card if it is lost or stolen. This action can be taken through Onilne Banking, our Mobile App, or iTalk.
Steps you can take to protect yourself and to help you remain secure online at work and at home:
- Check your account balance regularly to detect irregularities
- Use your pin whenever the option is available
- Opt-in for transaction text alerts
- Use your mobile phone or other rapid means to immediately deactivate a card when required
- Watch out for Social Engineering Attacks or Phishing Scams
- Guard your information
- Be suspicious of any email messages that ask for personal information
- Do not click on links, download files or open attachments in emails from unknown senders. It is best to open attachments only when you are expecting them and know what they contain, even if you know the sender.
- Never email personal or financial information
- Use a VPN service or only connect to know networks
Identity theft involves the unlawful acquisition and use of someone’s identifying information, such as: Name, Address, Date of Birth, Social Security Number, Mother’s Maiden Name, Driver’s License, Bank Account Number or Credit Card Number.
How to Protect Yourself:
- Report lost or stolen checks, debit or credit cards immediately
- Never give our any personal information including birth date, SSN or passwords
- Shred all documents containing personal information, like bank statement, unused checks, deposit slips, credit card statements, pay stubs, medical billings and invoices.
- Don’t give any of your personal information to any websites that do not use encryption or other secure methods to protect it.
- Order a free copy of your credit report periodically to monitor your accounts
What if my information is lost or stolen?
- Contact your financial institution immediately.
- Immediately change any passwords that might be compromised.
- Contact credit reporting companies and place a fraud alert on your credit file.
- Consider reporting the attack to the police and file a report with the Federal Trade Commission