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Card Security

 


Debit Card – Travel

Posted on 27th March 2014

Our Fraud Department has been busy protecting our customers from fraudulent transactions, most recently occurring in North Carolina. As a reminder, from time to time we may restrict the use of your debit card in certain geographical regions (countries or states) in which debit card fraud is known to be prevalent. If you have plans to travel and intend to use your card, please notify us approximately a week before you travel by calling 1-888-223-8099 before depending upon your debit card.


 

Debit Card Compromise Alert

Date 3-20-14

Community Bank has received a Debit Card Compromise Alert.  The Bank is closing the compromised cards and ordering new cards. If you are unable to use your Community Bank Debit Card it may be a part of this newest alert. The Bank will contact you by telephone or email and your will receive a letter in the mail.  If you prefer to be contacted by email, please provide us with your current email address by sending your email request to bank@communitybank.tv or call 1-888-223-8099 during business hours. We will make every effort to provide you with a new card within 7-10 business days.


 Possible Security Breaches

Updated 2-7-14 

We are committed to protecting you from possible security breaches.  

Please click on the following store links to see the latest available information.

Nieman Marcus link - http://www.neimanmarcus.com/NM/Security-Info/cat49570732/c.cat?icid=topPromo_hmpg_ticker_SecurityInfo_0114

Target link  - https://corporate.target.com/about/payment-card-issue.aspx?ref=sr_shorturl_paymentcardresponse

Michaels link - http://www.michaels.com/corporate/payment-card-notice,default,pg.html

 

Community Bank measures to protect your account and identity, please continue reading for more information.  

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Important Debit Card
Protection Information

The security of your transaction account is one of our top priorities.  

To combat Debit Card Fraud, Community Bank uses industry leading technology to help identify and prevent suspected fraudulent debit card activity. Occasionally it is necessary to block debit card transactions in other states, foreign countries, and at various merchant locations where fraudulent activity is prevalent.  If you experience difficulty using your card for a signature based transaction, please try to use the PIN based debit option by using the keypad and entering your PIN number. In the event that we also blocked PIN transactions, we suggest that you be prepared with an alternative payment method.

We take these preventive actions very seriously in order to protect Community Bank account holder’s funds. We apologize for any inconvenience this may cause, but assure you that this action is taken to protect you and your account.  

If you are planning to travel and anticipate using your Community Bank  Debit Card, please let us know by calling 888-223-8099 Monday through Friday from 8:00 to 5:00pm or by contacting your local Community Bank office.  We can put your card on a special status so your card use is not interrupted. Again, it is important you have an alternative method of payment when you travel (Travelers Checks, credit card) for emergency situations and that contact information is up to date and on file at the bank so that we may contact you when necessary.

To protect yourself, it is important that you manage all of your bank accounts on a regular basis including a review of your account activity for unusual transactions. Please notify us immediately if you suspect any fraudulent activity. Community Bank provides Internet Banking at no cost which allows real time monitoring of account transactions at your convenience. You can enroll in our secure online banking service at www.communitybank.tv or by visiting your local Community Bank office. 

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Protect Yourself

Fraud Watch® PLUS

The ATM/Debit cards we issue are protected by FraudWatch® PLUS.  If suspicious activity is noticed on your ATM/Debit card, Fraud Prevention Services will call to notify you.

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Card security checklist
Make sure you've done the following to protect your Visa card:

  • Sign on the signature panel
  • Chosen a PIN that is unique and secret
  • Memorized your PIN
  • Made a list of all your cards and numbers and stored them in a safe place

ID Theft checklist
Recommendations to help prevent ID Theft:
  • Check your paper statement immediately upon receipt—if possible, monitor your account activity more frequently online
  • Keep financial information secure, preventing access from family members, friends and neighbors
  • Shred financial information before discarding

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React Quickly

To report a lost or stolen Community Bank ATM, Visa Debit, or Visa Credit Card.

Toll free numbers for ATM and Visa Debit Cards:
 

During Business hours of 8:30am to 4:30pm:
Call (888) 223-8099

After Business hours:
Call 1-800-264-5578

Toll free numbers for Visa Credit Cards:
Call 1-800-883-0131

 
Reporting suspected email fraud

If you suspect you have received a fraudulent email from Community Bank, contact bank@communitybank.tv

Forward other suspected fraudulent emails to the Better Business Bureau at nophishing@cbbb.bbb.org.

 
Reporting suspected identity theft (5 steps)

  1. Call Visa Identity Theft Assistance at 1-866-ID-HOTLINE or visit www.callforaction.org for counseling
  2. Contact a credit bureau

    Equifax
    www.equifax.com
    800-525-6285 (Fraud Hotline)
    800-685-1111 (Report Order)
    P.O. Box 740250
    Atlanta, GA 30374

    Experian
    www.experian.com
    888-397-3742 (Fraud Hotline)
    888-397-3742 (Report Order)
    P.O. Box 9556
    Allen, TX 75013

    TransUnion
    www.transunion.com
    800-680-7289 (Fraud Hotline)
    800-916-8800 (Report Order)
    P.O. Box 6790
    Fullerton, CA 92634

  3. File a police report
  4. Contact creditors fraud departments
  5. File a complaint with the FTC at
    https://www.ftccomplaintassistant.gov

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Card and PIN safety

  • Report lost or stolen cards immediately.
  • Sign your card on the signature panel as soon as you receive it.
  • Protect your cards as if they were cash.
  • Don’t leave your credit cards in the glove compartment of your car. An alarmingly high proportion of all credit card thefts occur in glove compartments.
  • Never write down your PIN—memorize it. Also, never use your PIN as a password.
  • Ensure that you get your card back after every purchase.
  • Always check sales vouchers for the correct purchase amount before you sign them, and keep copies of your vouchers and ATM receipts.
  • Always check your billing statement and verify the amounts of your purchases.
  • Make a comprehensive list of all your cards and their numbers and store it in a safe place.
  • Don’t volunteer any personal information when you use your credit card, other than by displaying personal ID as requested by a merchant.
  • Don’t lend your card to anyone. You are responsible for its use. Some credit card misuse can be traced directly to family and friends.
  • Never disclose your PIN to anyone. No one from a financial institution, the police, or a merchant should ask for your PIN.

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ATM safety

Using your Visa ATM card is a convenient and safe way to get cash. Just be sure to keep in mind the following safety tips:
  • Watch your surroundings
    If the machine is poorly lit, or in a hidden area, use another ATM.
  • Guard your pin
    Keep a lookout for suspicious activity. Always guard your PIN and transaction amount, and immediately cancel your transaction and leave if you see something suspicious.
  • Keep your card ready
    Avoid counting cash, or rummaging through personal items, while standing at the ATM.
  • Be safe at the drive-thru
    When using a drive-through ATM, lock car doors and other windows—when walking up, never leave your car running or unlocked.
  • Take your receipt
    Always take your receipt. It contains personal information that could be helpful to thieves.
  • Avoid strangers
    When using an indoor ATM that requires your card to open the door, avoid letting unknown people in with you.