Debit Card fraud just became a bit easier to fight with HCFCU’s new Card Alert Notification service. Members currently receive a phone call if suspicious activity is detected on a debit card. With the new Card Alert Notification service, members can receive text alerts to their mobile device. The text message will simply request a “YES” or “NO” response to confirm if a suspicious transaction was authorized by you.
Save these contacts to your phone so you don’t miss an alert!
“Fraud Detection Service: In our continuing efforts to keep your accounts secure, we monitor activity for potential fraud connected to our debit/credit cards. From time to time, you may be contacted via automated call or SMS message to confirm your card activity. These communications will NEVER ask you for PIN data, full card number or full social security number data. This service is monitoring accounts for potential fraud 24 hours a day, seven days a week.”
HCFCU works hard to keep members safe and offers several services to help assist in the fight against fraud. Our EMV debit cards help secure your transactions at the point of purchase. Enroll to receive eAlerts, to notify you when a deposit or withdrawal was made on your account along with low balances. eAlerts can be sent to you via email and text message. Don’t forget to enroll your HCFCU Debit and Credit Cards in MasterCard SecureCode to help prevent unauthorized online purchases.
All of these value-added services offered by HCFCU can help minimize the risk of fraud. These services are automated and electronic and work 24/7/365 however they cannot prevent user mishaps. In order to fully secure your account or card information be sure to follow some of these practices when it comes to your payment cards as well as other account information:
- Never give your card number to another individual – you are authorizing them to make purchases.
- Never allow for your card number to be stored in another individual’s account – like Amazon, Best Buy or other merchants, you can save your credit card information for future use. If this is not your account and you have no control of the password or usage you could be leaving yourself open to unexpected or unauthorized charges.
- Never enter your card number into an unknown website or unsecured website – these could be fraudsters trying to obtain your info or the unsecure site could be susceptible to hackers.
- Never write down or send your card number via email, text message or other unsecured electronic means – someone can hack the email, pick up the phone (or wrong number) and get your card information.
- Never give your card number or personal info to someone over the phone without confirming the identity of the individual or company.
- Never provide your card number or personal info to unknown individuals or “shady” businesses – they could be fraudsters trying to obtain your info or could be looking to scam you or take your identity.
- Be observant of card skimmers on ATMs or Gas Station Pumps – Some skimmers can take your card information without you realizing, as well as obtain PIN info.
Click here to learn more about Debit Card Alert Notifications.
Click here to learn some best practices for plastic cards.