Card Security

Using your Debit or ATM card is simple and hassle-free. Get cash, make purchases, check account balances, transfer funds and make deposits with your card. 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.

Card Security

  • Treat your card like cash.  Always store your card in a safe place.

  • Sign your new cards immediately.  Although not all merchants verify the signature on the bank, this can safeguard you against fraudulent purchases.

  • 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 a lost or stolen.

  • Protect your card's magnetic stripe. Do not expose your card's magnetic stripe to magnetic objects. Magnetic objects can damage your card.

  • Do not let your card out of your sight. When purchasing goods and services, make sure your card stays in your sight and be careful of skimmers. Your debit card involves greater risk because it is associated with your checking and savings accounts.

  • Destroy unused cards. When your cards expire you want to make sure the card is shredded before throwing away. Bring your old cards into a branch location and we will shred it for you. You may also observe the shred if this makes you more comfortable.

Pin Security

  • Keep your PIN a secret. ATM transactions & PIN debit purchases require the use of a secret code. The secret code is called a personal identification number or PIN. Memorize your PIN. Never write it on your card or store it with your card. This includes your wallet or purse.

  • Never let someone use your card or PIN.  Never allow the cashier or someone else enter your PIN. Always keep your PIN a secret. Even from family members. Separate cards are always a good option.

  • Change your PIN periodically.  It is a good idea to change PINs periodically rather than use the same PIN year after year. Change your PIN at least once a year. You should change your PIN if any other individual learns your PIN.

Environment Security

  • Watch for Suspicious persons. If anyone follows you after conducting a PIN debit transaction. Immediately, proceed to a crowded, well-lit area and call the police.

  • 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.

  • 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. Always save your receipts and update your register balance at a later time. Never update your register at a card terminal or ATM machine. Never leave your receipts at the ATM, the pump, or at the register 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.

Technology Security

  • 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 in 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. 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.

ATM Security | Information on Skimming