Using your Debit or ATM card is a simple hassle-free way to get cash, make purchases, check account balances, transfer funds and make deposits. You should make ATM and debit card safety a priority. Please use discretion when using your card and with any card machine. The following suggestions and safety tips may help.
Treat your card like cash
Always store your card in a safe place.
Keep your PIN a secret
ATM transactions & PIN debit purchases require the use of a secret code known as a personal identification number or PIN. Memorize your PIN, never write it on your card or store it with your card, such as in your wallet or purse.
Sign your new cards immediately
Although not all merchants verify the signature on the bank, this can safeguard you against fraudulent purchases.
Never let someone use your card or PIN
Never allow the cashier or someone else enter your PIN, even if they are assisting you with a transaction. Always keep your PIN a secret. Even from family members. Separate cards are always a good option.
Report a lost or stolen card at once
If you lose your card or if it is stolen, notify us immediately. This will reduce the chance of it being used improperly. Immediate notice will also reduce your potential liability for unauthorized transactions. You should consult the other disclosures about electronic funds transfers for additional information about what to do if you card is lost or stolen.
Change your PIN periodically
Although this is probably not a step you want to take frequently, it is a good idea to change PINs periodically rather than use the same PIN year after year. We suggest changing your PIN at least once a year to once every two years or as soon as you realize your PIN is known by another individual.
Protect your card's magnetic stripe
Do not expose your card's magnetic stripe to magnetic objects. Magnetic objects can damage your card.
Observe Your Surroundings
When using an outdoor terminal such as a gas station pump, always observe your surroundings before making a transaction. Always look for suspicious or out of place attachments where you swipe/enter your card and on the keypad itself.
Do not let your card out of your sight
When purchasing goods and services, make sure your card stays in your sight. Although card information can also be skimmed, the theft of your card involves greater risk because it is associated with your checking and savings accounts.
Complete your transactions thoroughly
Block the view of others when using a PIN debit terminal. Be certain your transaction is complete and review your receipt before leaving. If you receive cash back, put it way before leaving.
Mark each transaction in your register
You want to make sure you keep an accurate register for balancing so make sure you log each transaction but not while you are at a card terminal or ATM machine. Always save your receipts. Never leave them because they may have important account information.
Review your statements for unauthorized transactions
Review and balance your statements promptly. Report any errors or transactions you believe may be unauthorized immediately. This will limit your potential liability.
Watch for Suspicious persons
If anyone follows you after conducting a PIN debit transaction, proceed immediately to a crowded, well-lit area and call the police.
Destroy unused cards
When your cards expire you want to make sure the card is shredded before throwing away. If you are unable to shred your card, you may bring it in to any branch location and ask us to shred it for you. You may also observe the shred if this makes you more comfortable.
Do not disclose card information over the telephone
No company or individual needs to know your PIN. If you perform transactions over the phone using your card, never disclose your PIN. First National Bank will ever ask for your PIN unless you call us and ask for PIN assistance.
Never disclose card information in response to unsolicited email or requests
Email is a common channel for fraud perpetration. Never provide your card number, PIN or any other non- public personal information to any entity in response to an email or request. First National Bank will never send emails asking for card updates and we will not ask for your PIN.
Do not respond to text messages on your cell phone
Texts are a growing means of fraud. Never reply to a text messages asking for information and do not believe messages that state your card has been compromised. First National Bank will never send messages by text.
Make certain your internet shopping sites are secure
Look for secure transaction symbols when shopping online to ensure your card information is protected.Always log off from any site after you make a purchase. If you can't log off, shut down your browser to prevent unauthorized access to your account information. Registering your card with MasterCard SecureCode
is a great way to help in protecting your card. You will never be responsible for fraud purchases with participating merchants by registering your card. However failure to protect your card with MasterCard SecureCode could make you liab