Debit Card Protection
Fraud and Cyber Real Time Debit Card Protection
Adams State Bank debit cards are protected through an important partner who provides industry leading technology, tools and the expertise to manage fraud. Experienced fraud analysts work around the clock, watching for any suspicious card activity and will contact you immediately if they detect potential fraud on your card. And because the fraud protection happens in a real-time environment, potentially high-risk transactions can be declined at the point of authorization before the customer is contacted.
If you are planning a trip, please call Adams State Bank to tell us your destination and travel dates so you won’t be inconvenienced with inquiries about valid transactions.
Lost Cards and Suspicious Activity
If you notice any suspicious activity or lose possession of your debit card, you can contact the fraud department around the clock to prevent unwanted transactions. Remember, you can still call Adams State Bank during normal banking hours with any questions you may have about your account.
Lost/Stolen Cards &
|833-337-6075||24/7 Support and after-hour card blocking|
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Monday - Friday: 8am - 5pm
Saturday: 8am - 12pm
Please make sure we have your current phone number so you can be contacted appropriately.
Sample Call: “Hi, may I speak with (customer name)? My name is (analyst name) with Fraud Prevention Services on behalf of Adams State Bank. This call is regarding your Visa debit card with the last four numbers (# # # #). We just wanted to verify recent activity on your account. We wanted to verify that these charges were being made by you and that no one else is using your card/account number.”
After verifying your address, the analyst then performs the following actions:
- Cardholder transaction confirmation
- Card blocking or unblocking as appropriate
- Marking fraud transactions as appropriate
- Cardholder referral back to institution for affidavits, reissue, or other actions
Fraud analysts will state the last four numbers of your debit card and ask you to verify your mailing address. However, they will never ask for your full card number, social security number, or any other information that could compromise your account.
Although your card will be monitored 24/7, fraud analysts will make all calls between 8:00 AM and 9:00 PM. If fraud is suspected during overnight hours, they will call the next morning.
Analysts will call a cardholder up to 3 times, leaving a message when the cardholder fails to answer. If the cardholder has not responded after 3 calls, a letter will be sent and the card in question may be temporarily blocked.