Customer Security
Customer Security

Fraud Center Information

 

Things You Can do to Help us Help You

Free to customers, Bank of Pontiac utilizes a 24/7 fraud and monitoring service that detects suspicious transactions on your ATM and Debit cards.  In the event that fraud is suspected on your card(s), we will attempt to contact you between the hours of 8am and 9pm CST to verify if you meant to perform these transactions.  Because your security is very important to us, there are a few things you can do to help us let you know if there fraud occurring on your ATM and/or Debit card(s).

Identify us on Your Phone

Add our Fraud Center number to your contacts and name it something like "Fraud Center".  This way if there is fraud occurring on your debit card, you will know who is texting or calling to alert you.  The Fraud Center number is 800 417-4592.  Our Fraud Center will typically email, text, and/or call you to verify if a questionable transaction is legitimate or fraudulent.  If you do not answer the call and have voicemail, the automated caller may leave you a message asking you to contact them.

Automated Alerts

We use the most efficient automated calling program to contact customers regarding their bank cards.  If fraud is suspected on your card, you will receive either an email, text, or automated call asking you to respond and provide a piece of information that only you should have the answer to.  If you miss the call and the Fraud Center asks you to call them back, the phone number is 800 452-4592.

Call Us if you are Unsure if the Caller is Legitimate

We understand that fraudsters often can call customers imitating banks.  If you receive a call you are unsure of, hang up or delete the text, but make sure you call us toll free at 855 844-6151 in the event that the call was legitimate.  If there is fraud occurring on your card, our staff can intervene and block the fraudulent activity.

Help Us Maintain Your Most Current Contact Information

It is important that we are able to email, text, and\or call you if fraud is suspected on your bank card.  This can be done by keeping your contact records current with us.  Because we respect your privacy, your information will be kept confidential, except for what is needed by the bank to service your accounts. Only give this information to staff at one of our branches.  Do not share this information over the phone or via text as the criminals are out there too, waiting to get this information.

Let Us Know You are Travelling Out of State

Our Fraud Center may think there is fraud occurring on your bank card if transactions begin occurring out of state when you are actually travelling.  If you are leaving home or going on vacation, and want to avoid your bank card being declined because of suspected fraud, please call our Main Bank at 855 844-6151.  We can place a note in your account to let the Fraud Center know to allow out of state transactions for a specified period of time.

 

If you Suspect Fraud is Occurring on your Card

Telephone:  In Person.

During Bank Hours:  Call the Main Bank toll free at 855 844-6151

Afterhours:  Call MasterCard at 866 546-8273

After doing so, you will need to come in to the bank at your earliest convenience to have a new card set up for you.

You may also follow the steps below and report the card lost or stolen which will also deactivate the card and stop further activity from occurring.

How to Report Your Card Lost or Stolen

Telephone:  In Person.

During Bank Hours:  Call the Main Bank toll free at 855 844-6151

Afterhours:  Call MasterCard at 866 546-8273

After doing so, you will need to come in to the bank at your earliest convenience to have a new card set up for you.

TeleBank24.

If you have TeleBank24 access, you can call 855 844-5152 and take option 6.  Then, pressing option 1 will help you deactivate your card.  After doing so, you will need to come in to the bank at your earliest convenience to have a new card set up for you.

NetTeller

If you have a log in for NetTeller, you can deactivate your card in "Options", then the ATM/Debit Card submenu.  Checking the Lost/Stolen box and pressing submit will deactivate the card permanently. After doing so, you will need to come in to the bank at your earliest convenience to have a new card set up for you.


Tips for Using ATMs

  • When using any ATM, please be aware of your surroundings.  Take note of where you are and who or what is around you.
  • If the ATM looks like it has been tampered with do not use the ATM. Criminals can place devices on the machine with the purpose of stealing data off the card when it is inserted or swiped.  If it is a Bank of Pontiac ATM, please call us toll free at 855 844-6151 so that we can investigate.
  • Always verify the amount of cash you are withdrawing and make sure you take your card.
  • Always make sure the transaction has cleared the ATM when you are finished.  Do not leave the ATM until the screen has reset. 

Tips for Using your Debit Card

 

  • Keep your card safe at all times.  Transactions with your debit card are tied directly to you bank accounts.  You are responsible for the use of your card.
  • Keep your pin number secret.  No one should ask you for your pin when processing any transaction.  Do not share it with anyone..
  • When making purchases with your debit card, be aware of other people around you.  Fraudsters can scan your purse, wallet, etc..
  • When using your debit card for large purchases, it is best to use your pin number, instead of choosing to sign the transaction slip.  If you try to sign for your purchase and it is declined, try again using your pin.. 

 


Protecting Yourself from Identity Theft

Identity Theft is a serious threat against consumers. At Bank of Pontiac, we continuously monitor our security procedures to protect you and your accounts. Total security is only possible with your help. Here are steps you can take now to prevent identity theft and protect your finances.

  • Do not give out personal information such as account numbers, your social security number(s), passwords, or pin #’s on the phone or over the Internet unless you have initiated the contact.
  • Monitor all of your bank statements. Check to see if there are any errors or unauthorized transactions. Call to report the transactions that are suspect. Important: If you suspect a transaction is fraudulent, you must contact the bank within 60 days after we sent the first statement on which the problem appeared.
  • Report lost or stolen checks, ATM card or debit cards immediately. Properly store cancelled checks. Examine new checks and debit cards to make sure the mailing carrier has not been tampered with. Store them in a secure location.
  • Make sure you give Bank of Pontiac a current phone number to reach you.  We will attempt to reach you at that phone number if there are suspected fraudulent transactions. 
  • Destroy unused financial solicitations before discarding them and tear up other financial documents such as statements or receipts before putting them in the trash.

Be Aware of "Phishing"

There is a new scam occurring on the internet involving fraudulent web pages and email messages. Phishing is a term coined by Internet hackers who use email lures to 'fish' passwords and financial data from the sea of Internet users. Email messages designed to look like they came from a merchant or financial institution are mailed to Internet users. The emails direct the recipient to update or provide information back to the company's web site by instructing the user to click on a URL embedded within the email. The embedded URL links the user to a counterfeit web site designed to look like the company's legitimate web site. Passwords and other personal information are then solicited and collected by the web site and used by the scammer to defraud the user.

Please be advised that Bank of Pontiac will not send email communications to you soliciting sensitive information (passwords, user id's, and account numbers, etc.). If you should ever receive an email message requesting personal information and indicating the message originated from Bank of Pontiac, please do not respond to the email. Instead, please contact the bank immediately and alert us of the suspicious email communication.


Text Messaging Scams

Text Messaging scams consist of fraudulent text messages sent to a block of cellular phone customers requesting account information. The text often consists of a message informing the customer that their Debit card account has been disabled and provides a phone number for the person to call, or text personal account information to. DO NOT provide any information to these numbers as they are fraudulent.  If you should receive any communications of this sort contact the bank immediately at (815) 844-6155 so that we may report the scammer's information to the appropriate authorities.

Bogus Emails

Malware creators are now crafting emails claiming to be from banks that ask you to open attachments to perform some sort of service for you.  These attachments are viruses or trojans designed to infect your computer and steal your passwords. Never open unsolicited emails claiming to be from financial organizations that ask you to open an attachment or click on a link. On rare occasions we may send you an email letting you know you have locked yourself out of online banking but we will never send you email with attachments to open.  The only link you may have have to click on is to reset yourself after you have already initiated it from within online banking.