• The Call Center nor the fraud department will never ask you for your PIN (personal identification number: the four digit number you set for your CheckCard), CV2 Codes (the three digit code located on the back of your CheckCard) or the expiration dates on your CheckCard.
• A text alert warning of suspicious activity on a card will NEVER include:
o A link to be clicked. Cardholders should never click on a link in a text message that is supposedly from FSNB.
o Vague reference to a “Merchant” transaction; details should be included in the transaction that is being questioned.
o Requests for your data such as card numbers, PINs, CV2 Codes, and expiration dates
• A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number. The number is 20733
• A phone call from one of our Call Center agents will only include a request for your Zip code, and no other personal information, unless you confirm that a transaction is fraudulent.
o Only then will you be transferred to an agent, who will ask questions to confirm your identity before going through the transaction history. If, at any point you are uncertain about questions being asked or the call itself, you should hang up and call us directly.
• If a call is received by you, claiming to be your Call Center and asking to verify transactions, no information should have to be provided by you other than your Zip code, and a ‘yes’ or ‘no’ to the transactions provided.
FSNB will NEVER send you an e-mail asking for personal identification numbers or any other confidential information such as your account numbers, CheckCard PIN or login passwords. Do not respond to any e-mail communication claiming to be from FSNB that threatens to close or lock your account or instructs you to click on a link in the e-mail. Delete the e-mail immediately. Like many other companies, FSNB is concerned about the increased attempts to breach the privacy of customers by tricking you into responding to e-mails that appear to be sent by FSNB. When we need to contact you, it will be done in a general way that informs you of our message but NEVER asks for your personal and confidential information. Your privacy is our utmost concern.
Consumer Liability: Tell us AT ONCE if you believe your card, PIN or login identification and password have been lost, stolen or otherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information from your checking account. Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your account (plus your maximum overdraft protection or line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
Also, please review your account statement carefully. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. Visa CheckCard Liability: Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any point-of-sale transactions using your lost or stolen FSNB Visa CheckCard. This additional limit on liability does not apply to ATM transactions or to PIN transactions which are not processed by Visa. Visa is a registered trademark of Visa International Service Association.
To notify FSNB call 1-800-749-4583, Monday through Friday from 7:00 a.m. to 7:00 p.m., Saturday 8:00 a.m. to 1:00 p.m. (Central Time)
In the event that you notice suspicious activity on your account, please contact FSNB at 1-800-749-4583 for assistance.