We may be calling you..

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card. Our automated call will ask you to verify recent transaction activity on your card 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

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

Protect Yourself

In the meantime, please be diligent in monitoring transaction activity on your account and contact us
immediately if you identify any fraudulent transactions.

Here are some additional tips on protecting yourself from debit card fraud.

1. Unless absolutely required for a legitimate business purpose, avoid giving out your:
   1. Address and ZIP code
   2. Phone number
   3. Date of birth
   4. Social Security number
   5. Card or account number
   6. Card expiration date
   7. Your PIN is private; never give it out.
2. In stores and at ATMs, always cover your card and PIN, and watch for:
   1. Cell phone cameras, mirrors, or other tools used to view cards and PINs
   2. People watching your transactions
   3. Cashiers taking your card out of sight; take it to the register yourself
   4. Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
   5. Check store receipts
3. Online, you should never respond to unsolicited emails that:
   1. Ask you to verify your card or account number; such emails are not sent by legitimate businesses
   2. Link to websites; such sites can look legitimate but may collect data or put spyware on your computer

EnFact fraud monitor builds a profile of each card user and then monitors card activity 24/7 for potentially suspicious activity.

You will receive an automated call from EnFact when a suspicious transaction occurs:

• You will be asked to verify recent transaction activity on your card.
• You will use your touchtone telephone keypad to respond to the inquiries.
• You will be provided a toll-free number to call if you have questions.

Your response to this call is important to help stop actual fraud and to avoid restrictions that may be placed on your card.

A sudden change in the location from which transactions usually occur, a high-cost purchase, a string of transactions from a merchant or ATM within a short time period, or a transaction that matches criteria of a known fraud trend may flag a transaction as suspicious.

Please inform us of a change of telephone number as soon as possible, so you can be contacted quickly when suspicious transactions occur.