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How to Protect Yourself Against Debit Card Fraud
Recent enhancements have put ATM and debit cards in nearly everyone's wallet. Today, most debit cards have the VISA or MasterCard logo and can be used at millions of locations with a signature or personal identification number (PIN). A purchase at many stores can be like a trip to the bank or ATM, with PIN pads allowing consumers to receive cash back from their purchases. In short, the ease of debit cards makes them extremely popular.
Despite the convenience and popularity of debit cards, there is a risk of fraud. It is important to protect your debit card, just as you would cash, credit cards and checks. Some of the risks associated with debit card fraud are the same as credit cards, so protect your account numbers in your wallet, online and over the phone. If you do notice something suspicious report it to your bank immediately.
To avoid becoming a victim of debit card fraud, the American Bankers Association offers these tips:
  • Check your bank statements immediately. Make sure all payments are yours.
  • Periodically check your account balance and transactions, by utilizing online banking.
  • Contact your bank immediately if your card is lost, stolen or subject to fraudulent use.
  • Keep a record of card numbers, PINs, expiration dates and 1-800 numbers for banks so you can contact the issuing bank easily in cases of theft.
  • Memorize you PIN number. Do not use your birth date, address, phone number or social security number. Never store your PIN with your card, and do not make it available to others.
  • Keep your receipts. You'll need them to check your statements. If they have your account number on them, tear up or shred receipts before throwing them away.
  • Mark through any blank spaces on debit slips, including the tip line at restaurants, so the total amount cannot be changed.
  • Know your limits. Many issuers limit daily purchases and withdrawals for your protection.
  • Don not give you PIN number to anyone over the phone, often thieves steal the cards and then call the victim for their PIN, sometimes claiming to be law enforcement or the issuing bank.
For more tips and information, visit the Federal Trade Commission's web site at www.ftc.gov.
 
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