Lost or Stolen Debit Cards
If your debit card has been lost or stolen you should contact us immediately!
During Business Hours:
Visit one of our branches or call us at (229) 794-2111.
After Business Hours:
Contact our card vendor at (800) 500-1044.
Risky ATM PINs
Fraudsters are playing with numbers trying to steal cash from consumers. There are 10,000 possible combinations that the digits 0-9 can be arranged in to create a four-digit PIN, many cardholders choose some of the most commonly guessed combinations for their PIN. As part of our customer security awareness program, we would like to pass along some simple steps you can take to avoid gambling with your PIN by creating numbers that are less likely to be guessed by data thieves. A recent study by DataGenetics includes statics that 26.83% could be guessed by trying only 20 combinations.
1) Donít use the most popular password 1234;
2) Donít use patterns on a keypad (i.e. straight or diagonal) and avoid repeating numbers (i.e. 1212, 1313, 4444)
3) Try using odd numbers over even
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, debit 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, restaurants, 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 disgruntled 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 it has 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 restaurant. 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 step 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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