Automated Debit Card Fraud Detection Program
Monson Savings Bank takes fraud seriously and has taken pro-active steps to protect your bank accounts by monitoring your debit card and ATM transactions for potentially fraudulent activity through an automated Fraud Detection Program. Potentially fraudulent activity may include a sudden change in location (such as when a card is used unexpectedly outside the state of residency or in a foreign country), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.
You May Be Called or Texted...
If fraudulent debit card use is suspected, you may be called or texted to validate the legitimacy of your transactions. Your participation in responding to our call or text is critical to prevent potential risk and avoid restrictions we may place on the use of your debit card.
- Our automated call center will ask you to verify recent transaction activity on your card
- You'll be asked to verify your identity and provide your 5-digit ZIP code
- You'll be able to respond via your touchtone keypad
- You'll also be provided a toll-free number to call should you have additional questions
- If you receive a voicemail from the automated call center, please return this call as soon as possible using the secure phone number 833-735-1894 or 833-735-1892 for the Fraud Detection Message Center
- Text messages will generate from the short code 37268 and will include the bank's name and the transaction(s) in question.
- You'll be able to verify transactions by responding to the text thread with the required response yes or no.
To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone numbers (home, work, and cell), home address, and e-mail address at all times.
- Monitor your account activity daily through online/mobile banking. Immediately notify the bank of any fraudulent activity by calling 413-267-4646.
- Contact the bank whenever you are planning a vacation.
- Unless absolutely required for a legitimate business purpose, avoid giving out your:
- Address and Zip Code
- Phone Number
- Date of Birth
- Social Security Number
- Bank Account Number
- Debit Card Number, CVC Code, or Expiration Date
- In stores and at ATMs, always cover your bank card and PIN and watch for:
- Cell phone cameras, mirrors or other tools used to view cards and PINs
- People watching your transactions
- Cashiers taking your card out of sight; instead take it to the register yourself
- Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
- Any device or coverings on the card slots of ATMs; if you see this do not insert your card and instead go to another ATM
- Online, you should never respond to unsolicited e-mails that:
- Ask you to verify your personal information, credit or debit card or bank account number; such e-mails are not sent by legitimate businesses
- Links to websites; such sites can look legitimate but may collect data or put spyware on your computer
- Take advantage of CardHub, or CardValet for business accounts, to personally control debit card transactions and limits.