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Debit/Credit Card Fraud Help

Debit Card fraud is handled differently than credit card fraud.

 

Please click on the appropriate tab below:

Debit Card Fraud Help

  1. What do I do if I suspect or find fraudulent or unauthorized transactions on my account?
    If you suspect you are a victim of fraudulent activity, call (770) 227 – 2251 during banking hours and report any suspicious transactions or call
    1 – 800 – 523 – 4175 after normal banking hours.  A First National Bank of Griffin  Representative will help you determine whether or not fraudulent transactions have occurred on your account and will guide you through the process.
  2. What do I do if my card is lost?
    Report it immediately by calling (770) 227 – 2251 during banking hours or
    1 – 800 – 523 – 4175 after normal banking hours.
  3. What happens when fraud is detected on my debit card?
    We will block the affected card or cards. When a card is blocked, it means that the card will no longer work. Blocking is done for both PIN and signature based transactions. PIN based transactions are when you enter in a 4 digit PIN number and signature is when you sign for your purchase or enter a zip code like at a gas pump. Once a card is blocked, no one will be able to use the card. This is to protect your account and insure that the criminal cannot use the card information to make additional purchases.
  4. How do I receive restitution if I am truly a victim of fraud?
    You will need to speak with a First National Bank of Griffin Operations Representative and they will investigate your claim.  If bona fide fraudulent transactions have occurred on your account, we will provide you with a Debit Card Dispute Form for you to complete.  Once it is completed and signed you will need to take it to either the Police Department or the Sheriff’s Department depending on where you reside.  Once a case is opened, give the bank the case number and the funds will be deposited into your account.
  5. Will I receive a new debit card?                 
    Yes, a new card will be ordered and mailed to you at no cost to you.  You will receive the new card in 7 to 10 business days.  Either 3 days before or after you receive your new card, you will receive a PIN number in a separate mailing.
  6. How does card fraud occur and how does First National Bank learn about debit card fraud?
    Fraud could happen if a debit card is lost or stolen or information is given to the wrong individual.  When your card number is used to make a purchase, the information is transmitted through the payment network. A hacker may have gained access to your card information through one of these entities in the payment network. 
    Fraud could also be more widespread.  Sometimes, VISA® notifies us about fraud and sometimes we recognize and report fraud to VISA®. We will also notify local law enforcement agencies if the fraud is widespread. Visa® learns of compromises from other card issuers, merchants, or card networks reporting fraud. They link the cases together and notify the affected card issuers of the potential for fraud.
  7. What are the different ways that a card can be compromised?
    Although there are many ways that a card can be compromised, here are the most common ways:
    • Skimming – This happens when the magnetic stripe information is captured, using a small skimming device. The card is either swiped through the device or the device is hidden behind a legitimate card reader (like at a gas pump or an ATM) and the information is captured and stored for later use. The information can then be transferred onto another card for counterfeit use.
    • Merchant or Processor Breach – This type of breach occurs when a hacker is able to infiltrate the payment system of either a merchant or a card processor. They transmit the information back to themselves and then transfer it onto another card for counterfeit use.
    • Phishing – With this type of fraud, you are solicited for your personal and/or account information directly by criminals. You can receive emails, pop-up windows while surfing the internet or even phone calls trying to persuade you give out your information. First National Bank will never call you to ask for your account number or social security number.  Also, Trojan viruses can be installed on your computer without your knowledge, which allow the criminals to gather information directly from your computer or monitor your keystrokes.
  8. What information is possibly compromised in a debit card data breach?
    Only card information is at risk. This would include the information that is encoded in the magnetic stripe, such as your card number, expiration date, and possibly the PIN and/or 3 digit security code on the back. No personal information such as SSN is at risk.
  9. What is First National Bank of Griffin doing to protect me?
    • We use various fraud prevention tools to monitor your card activity 24-hours a day, 7 days a week.
    • e-Statements are available to reduce the risk of your paper statements being stolen.
    • Online Banking also allows you secure and convenient access to your account 24/7.
    • Bill Pay allows you to pay bills online, eliminating checks getting lost in the mail or being stolen.
  10. This is not the first time my card has been affected. Why has my card continually been compromised?
    Unfortunately, fraud is becoming more and more prevalent. Although card companies like VISA® and card processors continually monitor for breaches, criminals still find ways to breach the payment network.

    Although First National Bank of Griffin cannot control breaches that occur at merchants and card processors, you can rest assured that we will do everything possible to protect your account and minimize your inconvenience when a breach occurs.
  11. How can I protect myself from becoming a victim of fraud?
    • Monitor your account as often as possible using online banking or our telephone banking system.
    • Review your monthly statements and report any unauthorized transactions immediately.
    • Refrain from clicking directly on hyperlinks to avoid being taken to a spoof or fake website. Always type the address into your internet browser to go a specific website.
    • Maintain updated virus software on all of your computers.
    • Never give out your personal or account information by phone, unless you initiated the call. This includes emails, as well.
    • Do not give your PIN number to anyone.
    • If you suspect that you have given any information to someone that may not be legitimate, call immediately to let us know. We can help you with securing your account.
    • Shop with merchants that you know. If a deal seems too good to be true, it probably is.
    • Check your credit report at least annually to ensure that it is accurate.

 

Credit Card Fraud Help

While Credit Card Fraud is similar to Debit Card Fraud, it is not the same. If you suspect Credit Card fraud, call the number on the back of your card (1-800-423-7503) and report it immediately. A representative will guide through the steps of reporting any type of fraudulent activity.