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ATM/Debit Card Important Information
Lost or Stolen Debit Cards
If your debit card has been lost or stolen you
should contact us immediately!
 Protect yourself from
ATM/Debit card scams
Debit card spending has risen rapidly over
the past few years and so has debit card scams. As economic
conditions have worsened, card fraud has increased. Financial
Institutions all over the world are concerned about ATM and debit card
fraud. Common debit card fraud occurs when criminals create
counterfeit ATM or debit cards by stealing your PIN and other account
data. This allows them to pull money from your bank account. A
common techique used is called skimming. Criminals set up equipment
that captures magnetic stripe and keypad information when you input your
PIN at ATM machines, gas pumps, restuarants, or retailers. Here's
how you can protect yourself:
Be especially vigilant at gas stations.
They are notorious for skimming because they're produced by only a
couple of different manufacturers, and if someone gets the key to one
from a disgruntleed employee, they can insert a skimming device inside
the pump where it can't be seen. DON'T TYPE YOUR PIN AT
THE PUMP. GO INSIDE.
You can reduce risk at ATMs by using ATM machines at
banks rather than convenience stores, airports, or any isolated
location. A thief has to be able to attach and retrieve a skimming
device to use the data its gathered. This is more likely to happen
in nonbank settings where there's less traffic and no surveillance
cameras. USE ATMs LOCATED AT BANKS.
Check your bank accounts regularly. Always review
your monthly statements. Sign up for Internet Banking where you
may review your account activity more frequently. CLOSELY
MONITOR YOUR BANK ACCOUNTS.
When possible leave your debit card at home when
traveling. Use your credit card, even if you don't any other
time. Never use a debit card any place your card is taken out of
your sight, like a restuarant. YOUR CARD IS SAFEST IF IT
STAYS IN YOUR HAND.
When ordering merchandise/services over the Internet,
use your credit card rather than your debit card. When you use a
credit card to purchase goods or services you have more options under
the Fair Credit Billing Act regarding non-receipt of product/service or
dissatisfaction. Debit card issuers are governed by the Electronic
Fund Transfer Act and it doesn't require a card issuer to steop in if
you make a deal with an unscrupulous merchant.
Don't use debit cards for online purchases, especially
if you don't know the retailer's reputation. BE WARY ON
THE INTERNET.
Anytime you are entering card information onto the
Internet be sure you are doing so on a trusted site. Look for the
noted security locks and symbols and view site
certificates.
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