MSB Blog

Your debit card is a convenient tool for everyday purchases and ATM withdrawals—but it also comes with risks if not used carefully. At Monson Savings Bank, we want to help you protect your money and personal information. Here are some essential tips for using your debit card safely and confidently.

1. Keep Your Card and PIN Secure

• Never share your debit card number or PIN with anyone.
• Choose a strong, hard-to-guess PIN—avoid birthdays or repeating numbers.
• Don’t write your PIN down or store it with your card.

2. Always Cover Your Card and PIN

When using your debit card in stores or at ATMs:

• Cover the keypad when entering your PIN.
  
  
• Watch for hidden cameras, mirrors, or people trying to observe your transaction.
  
  
• Never let a cashier take your card out of sight—if possible, bring it to the register yourself.
  
  
• Inspect ATMs for unusual devices or coverings on the card slot. If something looks off, don’t insert your card—use a different ATM.
  
  
• Trust your instincts—if a location feels unsafe or suspicious, walk away.

3. Monitor Your Accounts Regularly

• Use online or mobile banking to check your account frequently.
  
  
• Set up transaction alerts with CardHub to stay informed of account activity in real time. This can help you catch unauthorized charges quickly.
  
  
• Report any suspicious transactions or unauthorized activity immediately.

4. Be Cautious at ATMs

• Use ATMs in well-lit, secure locations—preferably those attached to a bank.
  
  
• Inspect the card reader for signs of tampering or skimming devices.
  
  
• If something feels off, trust your instincts and use a different machine.

5. Shop Smart Online

• Only enter your card details on secure websites (look for “https” in the URL).
  
  
• Avoid using public Wi-Fi when making purchases or accessing your bank account.
  
  
• Consider using a digital wallet or virtual card number for added protection.

6. Report Lost or Stolen Cards Immediately

If your debit card is lost or stolen:

• Contact Monson Savings Bank right away to block the card or use CardHub through your MSB Mobile Banking app to report it lost or stolen and shut off your card.
• Monitor your account for unauthorized activity.
• Request a replacement card as soon as possible.

7. Be Aware of Fraud Tactics

Fraudsters may try to trick you into giving up your card information through:

• Phishing emails or texts pretending to be from your bank.
• Fake phone calls claiming there’s an issue with your account.
• Too-good-to-be-true offers that require upfront payment or card details.

If you’re ever unsure, contact your bank directly using a trusted phone number or website.

Monson Savings Bank Is Here to Help

At Monson Savings Bank, we’re here to help you stay one step ahead. We offer secure digital banking tools, fraud detection services, and personalized support to help protect your information. If you ever suspect fraud or need guidance, please contact us.

Visit our Personal Security Center or our Business Security Center for more information and check out more Safety and Security blog posts to stay informed.

This content is provided for informational purposes only and does not constitute legal, financial, or cybersecurity advice. Personal banking customers should consult with qualified professionals regarding their individual financial and security needs. Monson Savings Bank is not responsible for any losses or damages resulting from the use of this information.