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New Debit Card Fraud Protection

New Fraud Protection Starting April 30, 2012
On April 30, 2012, we will be implementing Falcon Fraud Manager (FFM), a fraud scoring system for all signature-based transactions on your debit card. We are excited to add this layer of protection from possible account fraud, thus minimizing your risk and protecting you against losses.

How does it work?
Each time a signature-based transaction is made with your debit card, FFM will analyze it and assign a score on a risk-based scale; the higher the score, the greater the likelihood of fraud. You may have experienced this type of protection before as many credit card companies apply similar analysis of credit card transactions. If the analysis indicates a high risk, a FFM will attempt to contact you to determine whether the transaction is legitimate. If FFM cannot make contact, and depending on the severity of the score, a temporary block may be put on your account to prevent fraudulent transactions. Signature-based transactions are monitored 24-hours a day, seven days a week.

What do you need to do to take advantage of this program?
Not a thing!

Why do you need to know about this program?
Should FFM detect a suspicious transaction and need to contact you, it will be via an automatic voice dialer on behalf of First National Bank of Hutchinson. This call will be an attempt to verify the validity of the transaction. The automatic FFM system will verify they are talking to you by asking for the last four digits of your social security number. Note: FFM will never ask for any numbers off of your Debit Card. If the transaction is confirmed to be fraud, you will be transferred to a live representative for further action.

Calls will be placed during the following time frames:
Monday–Friday, 8:00 a.m. to 9:00 p.m.
Saturday–Sunday and Holidays, 9:00 a.m. to 9:00 p.m.

Will this affect me when I go on vacation or travel abroad?
Yes! Usually when you travel, it is not a part of your “normal” purchasing behavior. We strongly recommend that before leaving, you contact us to notify us of your travel plans. You may call us during banking hours or login to Online Banking and complete the Debit Card Travel Form. We also consider it a best practice to take a second source of payment with you (cash, credit card, and/or prepaid debit cards). Failure to notify us of your travel plans could result in your card being temporarily blocked or suspended if suspicious activity is detected.

What can I do to help?
Contact us to make sure that we have current phone numbers, including a mobile phone number for you! We encourage you to review your account activity as often as possible. For real time review, we recommend using Online Banking and/or Mobile Banking. You can also access your account information by contacting us at any of our locations during banking hours or via our 24-hour telephone service, First Contact 620-694-2336. Report any suspicious or unauthorized transactions immediately. The sooner you report, the quicker we can act to identify and prevent further activity.

Questions?
Please contact any of our locations or call our general number 620-663-1521, during banking hours, Monday-Friday, 8 a.m. to 5 p.m.

© First National Bank of Hutchinson  |  One N. Main Street, Hutchinson, KS 67501  |  P: 620.663.1521  |  F: 620.694.2317

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