Protecting Yourself Against Debit Card Fraud

Our Fraud Protection

At the core of our commitment to our members is a comprehensive fraud protection process that monitors transactions for suspicious activity. We use advanced technology to detect potential fraud in real-time, allowing us to respond quickly. If we notice unusual transactions, we will notify you immediately, giving you peace of mind and the ability to act swiftly. With our zero-liability policy, you can rest assured that you’re protected from unauthorized transactions, which means that if someone fraudulently uses your card, you won’t be held financially responsible.

Best Practices to Keep Your Account Safe

While we have strong fraud protection measures in place, it’s essential to practice safe habits to safeguard your account further. Here are some best practices:

1. Monitor Your Transactions Regularly: Regularly check your bank statements and online transaction history for any unauthorized charges.
2. Use Strong, Unique Passwords: Ensure that your Online Banking password is strong and different from your other passwords.
3. Sign Up for Alerts: By setting up free Account Alerts for transactions, you can quickly identify any unauthorized use of your card. Immediate notifications allow you to act swiftly and minimize fraudulent transactions.
4. Add Your Card to Digital Wallet: When you add your card to your digital wallet from our mobile app and use this to make a payment, your debit card details are never transmitted during a transaction. Instead, a unique code is generated for each purchase, making it incredibly difficult for fraudsters to access your information.
5. Be Wary of Public Wi-Fi: Avoid using public Wi-Fi networks when accessing sensitive information, including your bank account.
6. Keep Your Information Private: Never share your PIN or card information with anyone and always store your debit card in a secure place.
7. Secure Your Devices: Use antivirus software on your devices and keep them updated to prevent malware that could compromise your banking information.

What Your Debit Card Protects You Against

Using a debit card can come with significant protection. When you use your card for purchases, you benefit from fraud detection mechanisms in place. Additionally, since debit transactions are often processed directly from your checking account, you maintain direct control over your spending.

While debit card fraud is a serious concern in today's digital landscape, employing a combination of our robust fraud protection measures, best practices, alerts, and mobile wallet technology can significantly reduce your risk.