Who doesn't love summertime at its prime? Long bright days, cheerful singing birds, crab feasts with family and friends, and of course a spike in crime. Summer is an especially big season for debit card fraud. Our security team works hard to prevent you from becoming a victim of debit card fraud so that even if your wallet is lost or stolen, no one else is able to make purchases with your card. It’s equally important that you take action to help protect yourself. Here is a list of things you should do to help protect yourself from being a victim of debit card fraud:
1) Use your debit card often.
If you use your debit card for the majority of your purchases, we’ll be able to get a good sense of your normal spending patterns. If you only use your debit card once in a blue moon, it becomes more difficult to know whether an attempted transaction may be fraudulent.
2) Alert us when you will be out of town.
Most people know to alert their bank when they are leaving the country, or even the state. But even if you are going to Ocean City for the weekend, this may be considered abnormal for you. It’s easy to alert us of a trip, simply give us a call, email a customer service representative or stop in your local branch.
3) Make sure we have your correct phone number(s).
If we think there has been unusual activity on your debit card, the first thing we’ll do is call you to find out whether or not it was you who made the purchase. If we cannot get in touch with you, we’d rather be safe than sorry, and we'll temporarily shut down your card so transactions cannot be completed. Call a customer service representative or stop in your local branch to verify or update your phone number.
4) Be smart about your personal identification number (PIN).
Do not choose something that is easy for others to guess, such as your birthday. Do not share your PIN with anyone and do not keep the number in your wallet.
5) Store your debit card in a secure place.
A card holder in your wallet is a good place to keep your debit card because that makes it difficult to fall out. If you keep your debit card loose in your pocket, it can easily fall out without you noticing when you pull out your keys or phone (this goes for cash too!).
6) Monitor your debit card transactions.
Use Online Banking and/or Mobile Banking to monitor your transactions. If you have debit cards with multiple banks, use Mariner360 to monitor all of your transactions in one place. If you notice any transactions that you did not authorize, contact us immediately.
If you found this article useful, be sure to check out these related articles:
Things to Do before You Leave the Country
How Identity Thieves Steal Your Information
5 Mobile Banking Security Tips