UPDATE JANUARY 10, 2014: Target Provides Update on Data Breach…
Target announced on its website this morning that certain guest information was also removed from their systems during the compromise time frame of November 27 through December 15, 2013. This information included names, mailing addresses, phone numbers, and email addresses for up to 70 million individuals. Please note that this type of consumer data is not part of the cardholder data used in the card authorization process at the point of sale.
For more information, please visit Target’s website at: http://pressroom.target.com/news/target-provides-update-on-data-breach-and-financial-performance.
According to recent news reports, Target stated that data on 40 million of their customers’ credit and debit cards may have been breached by cyber-crooks during the period of November 27th through December 15th. (Card information may not limited to this specific time period.) For more information, click here.
To protect your account, F&M Bank monitors ATM and debit card transactions for potential fraudulent activity. Typical signs of fraudulent activities may include:
If we suspect fraudulent ATM or debit card use, we will be calling you to validate the legitimacy of the transaction(s). Your immediate response to our call is critical, so that we can eliminate any potential risk and avoid placing restrictions on the use of your debit card(s).
Our automated call will ask you to verify recent transaction activity on your card.
You will not be asked to provide your full debit card number, account number or any personal identification.
If you receive a call stating there is an issue with your debit card and/or debit card transactions and the caller requests financial and/or personal information, the call is not from F&M Bank. Never provide your financial and/or personal information in response to a call that was not initiated by you to one of our published contact numbers.
Our goal is to minimize your exposure to risk and the impact of any fraudulent activity on your account. To ensure we can reach you should potential fraud be detected, please ensure we have your current contact information. Also, inform us immediately of any changes. You can confirm your account contact information next time you visit one of our branches or by calling: 931-645-2400 or 800-645-4199 (toll free) during normal business hours.
If you have any questions or need additional information regarding our ATM/Debit card monitoring services, select Contact Us to submit a secure email or call us at 931-645-2400 or 800-645-4199 (toll free) during business hours listed. You may also monitor up to the minute account activity using our personal online banking services. Click here to learn more!
Here are some additional tips on protecting yourself from debit card fraud:
Unless absolutely required for legitimate business purposes, avoid giving out your:
Your PIN is private; NEVER give it out.
In stores and at ATMs, always cover your card and PIN and watch for
Online, you should never respond to unsolicited emails that:
For questions or additional information, contact us or call 800.645.4199.
1-800-525-6285 or visit them online at www.equifax.com
1-888-397-3742 or visit them online at www.experian.com
1-800-680-7289 or visit them online at www.tuc.com
F&M Bank will never ask for your personal or account information via phone, email or text messaging.
Be positive you know with whom you are speaking on the phone BEFORE giving out credit card or bank account numbers. F&M Bank will NEVER ask for your ATM or Check Card PIN (personal identification number) for any reason! And we will NEVER contact you via e-mail regarding sensitive financial information. If you receive a phone call from someone identifying himself or herself with F&M ... and you are unsure of the person's identity ...hang up and call us back to verify the authenticity of the person with whom you are speaking. Keep your identity SECURE!
If you believe you may have given sensitive information over the phone or Internet, please contact your local F&M branch immediately. For more information on what to do if you think you may have been a victim, consult our Identity Theft page.
Phishing is a form of online fraud which occurs when someone poses as a legitimate company to obtain sensitive personal data and illegally conduct transactions on your existing accounts. Usually it occurs in the form of fraudulent emails, text messages, or phone calls that appear to come from legitimate sources. These communications ask customers to verify personal information or link to counterfeit web sites that appear real or ask you to call to a phone number to reactivate your account.
Watch out for emails, calls, text messages, or other communication that urge you to act quickly because your account may be suspended or closed, or to update your personal information.
Always keep in mind that F&M Bank will never send emails or other messages that require customers to send personal information to us via email, website links, pop-up windows. Any unsolicited request for F&M Bank account information you receive through emails, web sites, text messages, or other communication should be considered fraudulent and reported immediately to an F&M Bank representative.
F&M Bank will NEVER ask for sensitive information, such as Social Security numbers, account numbers, Access IDs or passwords, via e-mail. Beware of internet phishing scams. Do not respond to internet, e-mail, or phone requests for debit/credit card, bank account, or family information. Internet fraud is becoming rampant. Guard your personal information carefully!
Whether you are traveling, enjoying a night out, or simply shopping ... be careful when using your credit cards and F&M ExpressCheck Card for purchases and cash withdrawals from ATMs.
Be aware of your surroundings. Watch for people holding cell phones near you at retail stores, restaurants and grocery stores. With the new CAMERA cell phones, photos can be taken of your credit card, which gives them your name, number and expiration date. This information could allow someone to make multiple purchases on your account before you realize it.
Be prepared. Make a log of everything in your wallet including drivers license, debit cards, credit cards, Social Security card, etc. Be sure to include account numbers as well as the telephone contact information printed on the back of the card, so you have the information to quickly report the loss. Keep this log in a safe place other than your wallet. If you are traveling, carry a duplicate copy of your passport for identification. File a police report immediately in the jurisdiction where your wallet is stolen, which proves to credit providers you were diligent.
Immediately call the three national credit-reporting organizations and place a fraud alert on your name and Social Security number. This alert notifies companies that checks your credit that your information was stolen and that you must be contacted by phone before new credit can be authorized.
Also contact the Social Security Administration fraud line at 1-800-269-0271.
If your wallet is stolen, call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
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The content of this website is not designed or intended to provide authoritative financial accounting, investment, legal or other professional advice, which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.