Ensuring Credit and Debit Card Safety
Card fraud can occur in a variety of ways from unauthorized use, skimming or card data compromises. First Bank continuously trends your account activity and looks for suspicious transactions that might fall outside of your normal spending patterns. If we find something suspicious, we will temporarily restrict your card and make attempts to contact you. Once we are able to validate the legitimacy of your transaction, we will reinstate your card.
If your card is lost or stolen, contact us immediately using one of the following telephone numbers:
•For First Bank ATM/Debit Cards, call 800-760-2265
•For First Bank Credit Cards, call 888-295-5540 (for consumer credit cards) or 1-800-819-4249 (for business credit cards)
Skimming is a method by which thieves capture the data in the magnetic strip from your card and use it to create a new, counterfeit card. The counterfeit cards are then used to process unauthorized transactions against your account.
There are two main methods of skimming card information:
•A small device that appears to be a part of the machine is placed over the card insertion slot of an ATM, gas pump, or other self-service kiosk. As you slide your card into the ATM, this device “reads” the data on the stripe and either stores it or transmits it to a nearby location. Often times, there is also a small, hidden camera that captures your keystrokes as you input your PIN into the machine.
•The device is carried by an employee in a merchant’s store location. When the employee walks away with your card to complete your transaction, they swipe the card through the skimming device and capture the magnetic stripe data.
Data compromises occur when merchant's or bank's systems are hacked and card data is obtained. First Bank takes an active role in reviewing these instances and taking action to protect your account. If we receive a report of a compromise that includes your information, we will:
•Immediately review your account activity and contact you if we find suspicious activity
•Send you a new card if the data obtained puts your account at risk. If we do this, you can continue using your existing card until you receive your new card. During that time, we will continually review your account for suspicious activity.
First Bank will never ask you to provide, verify or update your personal information by sending an email, a text or using a pop-up message or link. If you receive such a message that appears to be from First Bank requesting you to provide or validate personal information, DO NOT RESPOND.
First Bank representatives may call you regarding activity on your account or you may be contacted through our automated systems to verify transaction activity on your account(s), such as debit card or eBanking activity. For your protection, we may ask you to verify your zip code and transaction activity.
Card Prevention Tips
•Don't write your PIN number on your card. Memorize it.
•Don't use information that may be easily obtained by identity thieves as your PIN, such as last four digits of your Social Security Number, birth date, or address.
•Only carry ATM, debit or credit cards that are necessary
•Make a list of ATM, debit, credit cards and bank account numbers, as well as customer service numbers for each. Keep this list in a safe and secure place so you can easily notify necessary companies if your cards are lost or stolen.
•Companies like Mastercard® or VISA® will never contact you directly to verify personal or card information, your PIN or request that you process transactions to protect your account.
•Never give your debit or credit card numbers over the phone or Internet unless you have a trusted relationship with the person or company.
•Keep your receipts for card purchases and withdrawals. Don't throw them in a public trash container. Thoroughly review credit card or bank statements upon receipt. Notify the credit card company or bank immediately if there is suspicious activity.
•When vacationing, notify the bank regarding your plans. Most banks monitor suspicious activity, including geographic shifts in cardholder use. By informing the bank you can prevent unnecessary inconvenience while traveling.
•Be aware if merchants take your card out of sight for an extended period of time. Most merchants process transactions within your view. If you become suspicious, contact your financial institution to warn of possible fraud on your card/account.
•Look at ATM, gas pump, or self-service kiosks. If you see an attached device that looks suspicious, don't use it. Notify the institution that owns the machine as soon as possible. If it's a First Bank ATM, contact us at 800-760-2265.