online-fraud-security

Online Fraud & Security

Prevent Debit Card Fraud

Protecting our customers from fraud is a top priority for our bank. We use a state-of-the-art technology to help prevent potential debit card fraud. If a debit card purchase looks suspicious (based upon your previous usage), we’ll try to contact you at home or your office to verify if the card was used by its rightful owner – or if the account has fallen into the wrong hands. If the account is being used fraudulently, we can prevent additional activity from occurring. So, if you receive a call asking about a purchase made with your debit card, please take a moment to talk to our fraud investigator to verify your debit card account activity.

How Does Fraud Detection Work?
To help keep your money and your personal information safe, our bank’s Falcon fraud detection system is designed using the latest “neural network” technology that actually learns your debit card purchase patterns. The Falcon system analyzes authorization requests for your card in real time and compares them to your purchase history as well as current fraud trends. If we detect abnormal transaction patterns, we can take immediate action to reduce the potential of continued fraud. As your profile and transactions change over time, the Falcon system also updates its files with every new transaction.

Here’s an Example:
You make a purchase with your debit card at a local store and within two hours, a large international debit card transaction tries to post to your account.

Since it is unlikely that you traveled out of the country within this short period of time to make the international purchase, this transaction is likely to be declined. It may also prompt a call from our fraud investigator who will verify the transaction with you.

Update Your Contact Information in a Timely Basis
If you’ve moved or changed jobs, it’s important to provide us with your new phone number. Additionally, we often find that customers can be reached by cell phone quicker than any other number. For this reason, you may want to consider providing your cell phone to us as your home or work number.

Planning a Trip?
Contact our customer service department at 816-436-8812 to let us know if you’re planning to travel, since a transaction in an area where you don’t usually use your card may trigger the system.

ATM & Debit Card Customer Service
If you experience any problems using your card, please do not hesitate to contact us.

 

REGULAR BUSINESS HOURS
Monday – Friday 8:30 a.m. – 5:00 p.m.
Saturday 8:30 a.m. – 12:00 p.m.

All Debit & ATM Card Issues:
Customer Service: 816-436-8812

SUNDAY/HOLIDAYS/AFTER BUSINESS HOURS
24 hours a day… 7 days a week
Report Lost/Stolen Card:
866-546-8273
To verify account activity if card is blocked:
Domestic: 1-800-417-4592

Never Depend On One Form of Payment
Our goal in adding the Falcon fraud detection service is to ensure the ultimate security of your account. We certainly don’t wish to cause any inconvenience, however, if you cannot be reached and the risk of fraud is great, for your protection, the transaction may be rejected and your account blocked for future transactions. As always we encourage you to carry a secondary form of payment for any emergencies.

Important
We may send an email to communicate important information to you. Jack Henry will email you on behalf of our bank trying to verify the charges that were made. If you do not respond to the email a text alert from Falcon Fraud Center will be sent to your cell phone.  We will never ask you to click on a special site link to do so, however  you will need to respond to us by email or text.

Our investigators will never ask you to give your full account number over the phone. They already have that information. Recently scammers have been calling Visa and MasterCard holders and asking them for their 3-digit security code (found on the back of the card). Never give your full account number, full card number, full social security number, PIN or 3-digit code to anyone who contacts you — no matter how legitimate the request may sound.

 

Phishing & Vishing Attacks

What is Phishing?

Phishing emails typically contain attachments or links to websites that infect the receiver’s device. The emails often look like they are coming from a company you know or trust. However, upon closer inspection, the emails frequently contain typos or minor changes in the sender’s email address. They might also contain attachments that, when opened, install malware on your computer. Additionally, phishing emails often contain links to fake websites intended to look like the legitimate companies you do business with, like your bank or brokerage firm. These look-alike websites may install malware on your computer or steal your password information. Remember, never reply to or click on a link in an unsolicited email asking for personal information, such as your credit card, bank account information, or Social Security number. When in doubt, delete the message and call the organization the email supposedly came from to alert them.

What Is Vishing?

Unlike email phishing attacks (where the goal is to get you to point your web browser to a fraudulent site by clicking on a bad link), vishing (or voice phishing) is a technique of social engineering that employs a combination of text messages, phone recordings, and email to persuade customers to dial a telephone number or respond to a telephone call for the ultimate purpose of obtaining financial gain. Fraudsters tell customers to contact their bank at a fraudulent telephone number, which is provided in an email a text message or by a recording using Voice over Internet Protocol (VoIP) technology. During the call, targets are asked to provide their card number and other personal or banking account information. Since fraudsters constantly vary their scams, it is important to beware of text messages, emails, and telephone calls or recordings requesting confidential data.

When you bank with us you can bank with confidence… online, on the phone or in person!