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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:

  1. When potential fraud is detected, you will receive an automatic email notification with the option to reply with “fraud” or “no fraud.”
  2. 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.
  3. 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.

Transaction Text Alerts

As a service, we are offering card transaction text alerts. This opt-in service will send you a text message when any of the following transactions occur:

  • An international transaction
  • Fuel transactions
  • 3 or more transactions in 24 hours
  • A transaction greater than $100
  • A card-not-present (internet, telephone) transaction

Sign up for this service online. See instructions here 

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 NetTeller, our Mobile App, or iTalk.

Steps you can take to protect yourself and to help you remain secure online at work and at home:

  1. Check your account balance regularly to detect irregularities
  2. Use your pin whenever the option is available
  3. Opt-in for transaction text alerts
  4. Use your mobile phone or other rapid means to immediately deactivate a card when required
  5. 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
  6. Set a PIN/Password on your phone and enable the “Find my Phone” option on your device so you can find your phone online or remotely erase your phone.
  7. Backup your data
  8. Install Antivirus/Anti-Malware/Firewall
  9. Never send sensitive information over email unless it’s encrypted
  10. Don’t use public Wi-Fi to conduct sensitive transactions
    • Use a VPN service or only connect to know networks
  11. Use multi-factor authentication when possible
  12. Create strong/complex passwords (letters, number and special characters) and change your passwords frequently
  13. Do not use the same ID and password for every online account
  14. Update your phone/workstation Operating Systems
  15. Update your Applications often to address security vulnerabilities

 

ID Theft

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:

  1. Report lost or stolen checks, debit or credit cards immediately
  2. Never give our any personal information including birth date, SSN or passwords
  3. Shred all documents containing personal information, like bank statement, unused checks, deposit slips, credit card statements, pay stubs, medical billings and invoices.
  4. Don’t give any of your personal information to any websites that do not use encryption or other secure methods to protect it.
  5. Order a free copy of your credit report periodically to monitor your accounts
    • Equifax or Call 1-800-685-1111 to order a report
    • Trans Union or 1-800-916-8800 to order a report
    • Experian or 1-888-397-3742 to order a report

 

What if my information is lost or stolen?

  1. Contact your financial institution immediately.
  2. Immediately change any passwords that might be compromised.
  3. Contact credit reporting companies and place a fraud alert on your credit file.
    • Equifax or Call 1-800-525-6285 to report fraud
    • Trans Union or Call 1-800-680-7289 to report fraud
    • Experian or Call 1-888-397-3742 to report fraud
  4. Consider reporting the attack to the police and file a report with the Federal Trade Commission