Protecting Your Debit Card from Fraudulent Transactions
Security measures are in place to help protect you from fraud as you use your CBT debit card:
- Immediate transaction verification
- 24/7 monitoring
- Merchant scoring
If you should receive a call from our Fraud Prevention Department, please accept the call; it is for your protection. We also need to be sure we have the most current contact information for you, including your phone number. Please stop by your nearest CBT branch to update your records. Also, please read the following information to help make using your debit card safer and more enjoyable for you.
The Fraud Management Team will never ask you for your account number, debit card number or PIN. If you are contacted by the Fraud Management Team and still have questions about your account, please contact your CBT banker for assistance.
Remember: never give your personal identification number (PIN) to anyone.
Click here to learn more about how debit cards work vs. credit cards and prepaid cards.
Lost or Stolen Debit Card
To report a lost or stolen debit card, please contact your CBT banker during normal business hours. After business hours, please call 1-800-472-3272. Be sure to check your account transaction history and notify the bank immediately of any unauthorized transactions.
Declined Debit Card
Your debit card may be declined due to insufficient funds. If you have insufficient funds in your checking account and your debit card has been declined, our debit card provider may have a reason to place a temporary hold on your debit card due to suspicious activity. This is a protective measure put in place to prevent fraudulent charges from appearing on your account. Please call 1-800-554-8969, available 24 hours a day, seven days a week or your local branch during normal business hours.
International Purchases and Your Debit Card
Due to an increase in suspicious activity regarding foreign debit card transactions, Community Bank is taking extra precautions to protect our customers. Currently, all foreign debit card transactions are blocked. We recommend you use an alternative method of payment such as a credit card or cash when conducting foreign purchases. If you are planning to travel outside the USA, please contact your local branch and provide your travel dates and your destination to ensure that your card will not be declined in the country you are visiting. If your debit card is declined, there may be a temporary hold on your card due to suspicious activity. Please call 1-800-554-8969, available 24 hours a day, seven days a week or your local branch during normal business hours.
Protecting Yourself from Fraud
Community Bank & Trust works with our debit card provider to minimize our customers’ fraud exposure. Our provider has a Fraud Management Team which monitors our customers’ accounts to assess any suspicious activity. From time to time, you may receive a call regarding your account activity. This is a protective measure put in place to verify transactions on your account. Click here for a Q&A on debit card security.
Verified by Visa
The only person using your Visa Debit Card should be YOU. Verified by Visa lets you add an additional level of password protection to online transactions with participating merchants. To activate your debit card for this service, click on the Verified by Visa icon located on our website.