Debit Card - Fraud Protection, Alerts and Notifications
First National Bank of Hutchinson provides two methods of Debit Card Security.
Debit Card Alerts & Notifications - Get Started by Calling: 620.663.1521 or 800.310.1521!
The First of these is an option that you may choose to improve your Debit Card's Security. Contact a representative of The First to sign up to receive text and/or email notifications of transactions on your Debit Card.
Each notification may help protect you from fraud as you are able to review transactions made via your Debit Card in real time. You will receive transaction details including: where it occurred, the amount, and the date.
You have a choice of two options – all at no cost to you!
Basic: Notifications will be sent for the following:
- All transactions over $25.00. The First recommends a minimum of all transaction over $25.00. You can choose to have this amount adjusted higher or lower to your preference.
- All Fuel Purchases
- All transactions made when your card is not physically present, for example: phone orders, Internet purchases and Mail orders. When this occurs, the notification may be classified as:
- Card Not Present
- Phone Order
- Internet Purchase
- Mail Order
- All International Transactions
- All ATM Withdrawals
- All Declines. A decline can occur for a number of reasons including processing errors or due to insufficient funds in your account.
- Pre-authorizations. A pre-authorization occurs when a merchant puts a temporary hold on your funds before the transaction is processed. This commonly happens when a Debit Card is used to purchase fuel. When you use your card to start the pump, a pre-authorization is made to assure that the funds are available for your purchase. The transaction is not actually processed, however, until you complete the purchase. This is an optimal time to catch potential fraud before the actual transaction is processed on your account.
Special: You also have the option of adding additional alerts for the following:.
- All transactions, regardless of amount, where a request for cash back is made
- All Credits to your account when you return merchandise
- All Reversals. A reversal occurs when a merchant processes your Debit Card more than one time and the extra times are reversed so that your account is not debited more than once for the same transaction. This can also occur accidentally if there is a processing issue of some sort.
Steps to take if you receive a notification about a transaction you do not recognize.
Once you have signed up for Debit Card Alerts & Notifications, if you receive a notification about a transaction that you don’t recognize, immediately contact The First.
Additional Text Message Information
Standard text rates may apply if you have a limited texting plan. Text messages will be sent in plain text format. The First recommends you check your mobile device’s compatibility settings to ensure text messages show properly. Please notify a representative of The First of any changes to your mobile phone number(s) and/or carrier(s). Updated and accurate contact information will ensure your text notifications continue to be delivered.
Falcon Fraud System
In addition to the availability of Debit Card Alerts & Notifications, The First uses a fraud monitoring system called Falcon Fraud. It monitors Debit Card transactions over time for unusual patterns or other suspicious activity. It will contact you to verify any questionable transactions that the Falcon Fraud system detects. However, once you have signed up for Debit Card Alerts & Notification, if you receive a notification about a transaction you don’t recognize or you are suspicious of, don’t wait to hear from Falcon Fraud. Contact The First immediately.
Falcon Fraud uses a fraud scoring system called Falcon Fraud Manager (FFM), to monitor all signature-based personal and business Debit Card transactions for potential fraud. When a transaction is suspicious, the FFM system will notify customers via text or phone call to determine the validity of the transaction.
How does it work?
Each time a signature-based transaction is made with your Debit Card, FFM analyzes it and assigns a score on a risk-based scale; the higher the score, the greater the likelihood of fraud. If the analysis indicates a high risk, 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.
FFM will contact customers initially by text, if a mobile number is on record. If a response is not received within 30 minutes, a follow-up call will be made to the mobile, home and business numbers on file.
What do customers need to do to take advantage of this program?
All Debit Cards, both personal and business, are monitored. Customers do not have to do anything for their cards to be monitored. However, the system will only work if phone numbers are up-to-date. Always contact The First every time any of your phone numbers change.
When and how are notifications sent?
Should FFM detect a suspicious transaction and need to contact a customer, it will be either via a text message or an automatic voice dialer on behalf of First National Bank of Hutchinson. The text or call will be an attempt to verify the validity of the transaction. When calling, the automatic FFM system will verify they are talking to the cardholder by asking for date of birth or ZIP code. Note: FFM will never ask for any numbers off of your Debit Card. If the transaction is confirmed to be fraud, customers will be transferred to a live representative for further action.
- Text messages will be sent 24/7.
- Calls will be placed: 8:00 a.m. to 9:00 p.m.
Text messages will appear similar to the following with the last four digits of the account number affiliated with the Debit Card and the suspicious amount and vendor.
- FreeMsg: First National Bank Fraud Dept: 8003694887: Suspicious txn on acct xxxx: $xxx.xx ABC CO. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.
Note: A reply of YES indicates the suspicious transaction is a valid Debit Card purchase and authorizes it to process. A reply of NO, stops the transaction from processing. A reply of STOP will cancel all future text notifications. We do not recommend stopping notifications. FFM will continue to contact customers by phone call if texts notifications are stopped.
How does vacation or travel abroad affect FFM?
Usually when customers travel, it is not a part of “normal” purchasing behavior which could result in a higher score for potential fraud. We strongly recommend that before leaving customers contact The First to notify us of your travel plans. Customers may call us during banking hours or login to Electronic Banking to complete the Debit Card Travel Form. We also consider it a best practice to take at least one additional source of payment when traveling (cash, credit card, and/or prepaid debit cards). Failure to notify The First of travel plans could result in Debit Cards being temporarily blocked or suspended if suspicious activity is detected.
If an alert is received, does that automatically mean the account has been blocked from further purchases?
Most suspected fraud accounts will be blocked if there is no response from the customer to the notification. If an alert is sent and the customer confirms it is a legitimate transaction, it and other transactions can be processed usually within 5 to 10 minutes.