Debit Card Safety Tips

CARD AND PIN SAFETY

Sign and set your Pin immediately. As soon as your card arrives in the mail, call to activate it and set your Pin. Sign the back and keep in a safe place.

1. Memorize Your Pin. Do not write your personal identification number (PIN) down and carry it with you.

2. Protect your cards as if they were cash.

3. Take your receipt and save it. Always check sales vouchers for the correct purchase amount before you sign them.

4. Lock your card in our app. You can easily unlock it just before you use it, and then lock it back as soon as your transaction is complete.

5. Report lost or stolen card immediately. Call us anytime, day or night.

6. Keep an eye on your card when doing a transaction. Giving your card to someone is like giving them cash so keep your card in sight at all times. Be sure you get your card back after each purchase. If any activity during a transaction concerns you, call us to report the incident.

7. Check your monthly statement to assure the amounts charged are what your authorized.

8. Do not volunteer any personal information when you use your card other than by displaying a personal ID as requested by a merchant (i.e. driver’s license).

9. Capturing card information or “skimming” is on the rise at ATM and gas stations. Never use an ATM or card swipe that looks like it has been tampered with as indicated by loose or extra parts attached to the face of the machine, adhesive tape or glue residue. Look for anything that may have a tiny hole or slot for a camera that is aimed at the keypad. If your card is captured inside an ATM or other device, call us immediately to report the incident. Most skimming devices are installed for short periods of time — usually just a few hours.

10. Never lend your card to anyone. Never let your debit card out of your sight.

11. Enroll your card in Visa Purchase Alerts.

12. Add your card to a digital wallet, such as Apple Pay, Google Pay, or Samsung Pay. Then, you can use your phone or mobile device in place of your card at many retailers.

THERE ARE 4 PLACES YOU SHOULD BEWARE OF USING A DEBIT CARD AT ALL COSTS:

• Independent ATMs - You run the risk of skimmers. While skimmers can be found on bank ATMs, they're less likely because there are often security cameras in place. 

• Pay at the pump - Be aware of panels on the pump that are loose or crooked. Skimmers aren't the only danger to your wallet. The gas station along with hotels and car rental businesses will put a hold on your account that could cause your checks to bounce. If you must pay with debit at gas station, go inside and pay at the cashier.

• When you're buying online, a credit card is a much better option. If you don't get your merchandise, you can do a chargeback during a 60-day window.

• At a restaurant - Keep your card in sight at all times even when processing. Giving your card to someone is like giving them your wallet.