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Debit Card - Fraud Protection, Alerts and Notifications

Learn about debit card security at The First!

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The First provides two methods of Debit Card Security.

Debit Card Alerts & Notifications - Get Started by Calling: 620.663.1521 or 800.310.1521! You can also enroll inside Electronic Banking in the services menu.

Each notification may help protect you from fraud as you are able to review transactions made via your Debit Card in real time. Transaction details include: 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.

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Robocalls

Consumers are getting more and more unsolicited robocalls. As the number of these calls has multiplied, so have the number of complaints reported to the FTC, state and local law enforcement agencies, and consumer organizations across the country. Click here to access the full article! 
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6 Tips for Spring Cleaning Your Finances

The American Bankers Association recommends these six tips to help consumers organize their finances:

  • Review your budget. A lot can change in a year. If you’ve been promoted, had a child, or become a new homeowner or renter, be sure to update your budget. Determine what expenses demand the most money and identify areas where you can realistically cut back. Develop a strategy for spending and saving – and stick to it.
  • Evaluate and pay down debt. Take a look at how much you owe and what you are paying in interest. Begin paying off existing debt, whether that’s by chipping away at loans with the highest interest rates or eliminating smaller debt first. 
  • Set up automatic bill pay. By paying recurring bills automatically on the same day each month, you’ll never have to worry about a missed payment impacting your credit score. Plan out your automatic payments to ensure your checking account has an adequate amount of funds when the payments are scheduled to be withdrawn. 
  • Save for emergencies. About 40 percent of Americans are positioned to cover a $400 emergency expense. You can prepare by opening or adding to a savings account that serves as an “emergency fund.” Ideally, it should hold about three to six months of living expenses in case of sudden financial hardships like losing your job or having to replace your car.
  • Go digital. Converting to paperless billing will help keep your house—physical and financial—more clean and organized, and will help protect you from fraud. Utilize your bank's mobile app to check your balance, pay your bills, transfer funds, deposit a check and send money to friends from wherever you are.
  • Check your credit report. Every year, you are guaranteed one free credit report from each of the three credit bureaus. Take advantage of these free reports and check them for any possible errors. Mistakes can drag down your score and prevent you from getting a loan, or cause you to pay a higher than necessary interest rate.

Click here to access the full article!

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According to the National Council on Aging, below are the 3 most popular scams for 2019:

  • Social Security spoofing calls
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ACH Industry Tips

As part of the ongoing support given to ACH Business customers, The First periodically provides information about security and ACH Rule changes. For a newsletter containing helpful tips and information, including a recap of 2018 ACH rule changes, please click here.

Resource for Identity Theft Victims

The Federal Trade Commission has announced the launch of the website, www.IdentityTheft.gov, a resource that makes it easier for victims to report and recover from identity theft. This website provides an interactive checklist that walks people through the recovery process and helps them understand which recovery steps should be taken upon learning their identity has been stolen. It also provides sample letters, specialized tips for specific forms of identity theft, and advice for people who have been notified that their personal information was exposed in a data breach. A Spanish version of the site is also available.

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© First National Bank of Hutchinson   |  One N. Main Street, Hutchinson, KS 67501  |  620.663.1521  |  800.310.1521

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