Tis the season for all things merry and bright, but it is also the season where we see an increase in fraudulent activity, specifically fraudulent activity on debit cards. This is a crime that can happen at any time, but luckily there are several steps that you can take to ensure that you don’t fall victim. You can also take solace in the fact that we at Mercer Savings Bank do all we can to continually protect you and your valuable information.
To protect you, Mercer Savings Bank monitors debit card and ATM transactions for potentially fraudulent activity through our Fraud Detection Program. Potentially fraudulent activity may include a sudden change in local (such as when a U.S.-issued card is used unexpectedly overseas or in a foreign county), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.
If you go on a trip out of the country, please let us know so we can make note of it. Also, you may want to consider changing your cell phone number to your primary phone number so you can be readily contacted.
If we suspect fraudulent ATM or debit card use, our monitoring system will be calling you to validate the legitimacy of your suspect transactions. The phone number you will see on your caller ID will be 800-279-2674.
You may be called
If fraudulent ATM or debit card use is suspected on your bank account, you will be called to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your ATM or debit card.
- Our automated call center will ask you to verify recent transaction activity on your card.
- You’ll be asked to verify your identity and provide your 5 digit ZIP code.
- You’ll be able to respond via your touch-tone keypad.
- You’ll also be provided a toll-free number to call (866-750-9107) should you have additional questions.
At Mercer Savings Bank, our goal, quite simply, is to minimize your exposure to risk and the impact of any fraudulent activity on your bank account.
Unless absolutely required for a legitimate business purpose, avoid giving out your:
- Address and ZIP Code
- Phone Number
- Date of Birth
- Social Security Number
- ATM, Debit or Credit Card or Bank Account Number
- ATM, Debit or Credit Card Expiration Date
Your PIN is private; NEVER give it out
In stores and at ATMs, always cover your bank card and PIN, and watch out for:
- Cell phone cameras, mirrors or other tools used to view
- People watching your transactions
- Cashiers taking your card out of sight; take it to the register yourself
- Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
- Any device or coverings on the card slots of ATMs; if you see this do not insert your card and go to another ATM
Online, you should never respond to unsolicited emails that:
- Ask you to verify your credit or debit card or bank account number; such emails are not sent by legitimate businesses
- Links to websites; such sites can look legitimate but may collect data or put spyware on your computer
It is the policy of Mercer Savings Bank to NEVER solicit customer information or identification, numbers or passwords, via email. If you are approached with such an offer do not reply to the email and instead contact Mercer Savings Bank immediately. For more information on how to protect your bank accounts, please contact us.