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Debit Card Security
Debit Card Security: Q&A
There has been a lot of news lately concerning debit card and/or credit card information being compromised. To help you protect yourself from fraud, we are providing information that might help answer some of your questions about debit card security.
What is a compromised card?
A compromised card is a situation whereby the information (name, card number, expiration date) may have been stolen or obtained by an unauthorized source. A compromised card is at risk of being used by thieves making fraudulent transactions. Cards can be compromised by unauthorized computer intrusion, computer theft or other types of suspicious activity.
If my card is compromised, does that mean I have fraud on my account?
Receiving notification of fraudulent activity from your bank does not necessarily mean that fraudulent activity occurred on your account. In fact, normally it only involves a small percentage of accounts.
What do I need to do if I find fraudulent transactions on my account?
Call the bank immediately to report any fraudulent transactions. For debit card transactions, you will be asked to complete a Cardholder Claim Statement Fraudulent Transaction Form. Please contact Tiffany Cundall, Kathleen Sparks or Mary Blessing at 615-792-0029 with questions.
If my card is compromised and has additional authorized users, does this affect their card also?
Each debit card has a separate card number. If one card is compromised, that does not always mean that the other user’s card has been compromised.
What can I do to keep my card from being compromised?
Unfortunately, there is no way to stop criminals from hacking into computer networks or databases of merchants.
However, there are measures you can take to protect your account information.
1. If you lose or misplace your card, or if you notice fraudulent activity, call the bank immediately so the card can be blocked from use.
2. Never keep your PIN with your card.
3. Review your bank account often. The easiest way to do this is to sign up for free online banking so that you can review and monitor your account 24/7.To sign up for online banking,contact any Community Bank & Trust branch.
Your debit and credit card transaction activity is being monitored 24/7 by our card processor’s security department. They will make every effort to contact you when they detect suspicious or unusual activity. They will make three attempts to contact you; if you do not answer or reply, the card will be restricted from use. It is very important that you answer these calls or return the call if you receive one. For this reason, it is very important that we have your current contact information including your cell phone number, home phone number and work number. Also, please be sure to advise the Bank if you plan to travel out of state or out of the country.