Archive for February, 2012

Update on ATM/Debit Card Restrictions

Posted in Hot Topics on February 23rd, 2012 by Jill Taylor

The ATM/Debit Card restriction for signature-based transactions has been lifted for the following states: Florida, Georgia, and Wisconsin.

The list of states currently restricted for signature-based ATM/Debit Card transactions (not PIN-based transactions) includes:  New York, New Jersey, Texas, Nevada, and California (both signature-based and PIN-based transactions are restricted in California).

If you have any questions or are planning to travel to any of the restricted states, please contact our Customer Service staff at 888-322-1088 and we may be able to temporarily accommodate your needs.  Thank you for understanding that this measure is for your security and protection.

Consumer Tips to Help Prevent Debit Card Fraud

Posted in Hot Topics on February 15th, 2012 by Jill Taylor

To avoid becoming a victim of debit card fraud, the American Bankers Association offers these tips:

  • Immediately notify your bank if your card is lost or stolen.
  • If you have reason to suspect fraud, check your account balance right away by utilizing online banking or telephone banking.
  • Use your body to shield the ATM keyboard as you enter your PIN.
  • Keep your receipts to check against your statement.
  • Keep a record of card numbers, expiration dates, and toll-free numbers for banks so you can contact the issuing bank easily in cases of theft.
  • Mark through any blank spaces on debit receipts, including the tip line at restaurants, so the total amount cannot be changed.
  • Know your limits.  Many issuers limit daily purchases and withdrawals for your protection.
  • Be wary of those trying to help you, especially when an ATM “eats” your card.  They may be trying to steal your card number and PIN.
  • Do not give your PIN to anyone over the phone.  Thieves often steal cards and then call the victims for their PIN, claiming to be law enforcement or the issuing bank.
  • Always take your receipts or transaction records with you.
  • Do not leave your ATM card lying around the house or on your desk at work.  No one should have access to the card but you.
  • Check your bank statements often.  Report unauthorized transactions immediately.