Fraud Protection and Security

Protecting Your Accounts from Fraud

Learn how we protect you and what you can do to stay secure.

Our Protection Features

24/7 Fraud Monitoring:

• Real-time transaction monitoring
• AI-powered fraud detection
• Unusual activity alerts
• Automatic blocking of suspicious charges

Zero Liability Protection:

• Not responsible for unauthorized charges
• Report within 60 days
• We investigate and issue credit
• Applies to debit and credit cards

Secure Technology:

• 256-bit encryption
• Multi-factor authentication
• EMV chip cards
• Tokenization for mobile payments

Recognizing Fraud

Watch for these warning signs:

• Unfamiliar transactions
• Duplicate charges
• Unexpected account access alerts
• Missing statements or mail
• Credit score drops
• Denied transactions on good accounts

Common Scams

Phishing Emails/Texts:

• Fake emails asking for account info
• Look like official bank communications
• Often create urgency
• Remember: We never ask for passwords via email

Phone Scams:

• Caller claims to be from the bank
• Requests account number or password
• May threaten account closure
• Remember: Hang up and call our official number

Skimming Devices:

• Devices attached to ATMs or card readers
• Steal card information
• Check for loose or unusual attachments
• Use ATMs in well-lit, busy areas

Protecting Yourself

Password Security:

• Use strong, unique passwords
• Change passwords regularly
• Never share your password
• Enable two-factor authentication
• Use password manager

Card Safety:

• Sign cards immediately
• Keep cards in secure location
• Shred old cards
• Never write PIN on card
• Cover PIN pad when entering PIN

Online Safety:

• Only use secure Wi-Fi for banking
• Keep software updated
• Log out after each session
• Don't save login info on public devices
• Check for HTTPS in address bar

Reporting Fraud

If you suspect fraud:

1. Call immediately: 1-800-555-FRAUD (24/7)
2. Report specific transactions
3. Request to freeze your card
4. Change your online banking password
5. Review recent statements
6. File a fraud report
7. Request new card if needed

After Reporting

What happens next:

• We investigate the claim
• Provisional credit issued (typically 10 days)
• You may need to provide documentation
• Investigation completed within 45-90 days
• Credit made permanent or reversed

Account Alerts

Set up alerts for:

• Transactions over a certain amount
• ATM withdrawals
• International transactions
• Low balance warnings
• Failed login attempts