Debit Card Safety
RSNB Bank or the Fraud Detection Center may call you to verify
that unusual transactions with your debit card are legitimate, but
will not ask for personal identifying information. Otherwise we
will never call, email, or text you asking you for any
personal information regarding your ATM or debit card. Do not
respond to any phone calls claiming your ATM or debit card has been
disabled, instructing you to press a number to connect to a
representative or change your PIN. These are fraudulent calls and
the caller is attempting to steal your card information.
When Using an ATM
As you approach the ATM, be on the alert for any suspicious
persons or circumstances. If you observe or sense something is
wrong, DO NOT USE THE ATM. Come back at another timer or use
another ATM at a different location.
Skimming and How to Avoid It
When a debit/credit card is skimmed, data on the card, including
the account number is electronically transmitted or stored. That
information can then be encoded onto a counterfeit card and used
anywhere your debit/credit card can be used. For example, skimming
devices can be installed at an ATM or at gasoline pumps.
The skimming device fits over the real ATM card reader slot. If
the card has wiggle room or there is a gap and something appears to
be glued into place, the ATM may have been tampered with. To reduce
your risk at an ATM, use machines at banks rather than convenience
stores or other isolated locations. It is less likely for a thief
to attach a device at a bank where there is more surveillance.
Skimming devices are installed inside the pumps in minutes. A
gas pump key can fit several different pump housings at several
different stations; therefore allowing for quick and easy access to
install the skimming device. If you pay at the pump using your
debit card, select credit which does not require your PIN.
Protecting your Card & PIN
- Always protect & secure your ATM/Debit card like you would
your cash, checks and credit cards. Contact the Fraud Prevention
Center immediately at 800-554-8969 if your card is lost or stolen,
or if you suspect unauthorized use.
- Do not give out your card number over the phone unless you
initiated the call.
- Don't leave your ATM/Debit card lying around where someone
would have the opportunity to pick it up and use it.
- Never loan your card to anyone.
- Keep your PIN secret and never give it to anyone.
- NEVER write your PIN on your ATM/Debit card.
- Try to always keep your eyes on your ATM/Debit card during a
transaction so your card will not be switched or used for another
purchase unauthorized by you.
- If your ATM/Debit card is lost or stolen, or you suspect fraud,
report it IMMEDATELY to the bank or the number on the back of your
card to limit any financial loss.