ATM/Debit Security

ATM Use/Using Your Debit Card at an ATM

Keep your PIN number (Personal Identification Number) private.

When selecting a PIN number.

Be aware of your surroundings, particularly at night.

Bring someone with you when using an ATM at night.

If you are using a drive-up ATM.

If you leave your car and walk to the ATM.

To protect yourself from ATM fraud.

To report a lost or stolen debit card.

Debit Card Use/Using Your Debit Card in the Retail Environment

Be diligent in monitoring transaction activity.

Avoid giving out any personal information.

Your PIN is private.

In stores and at ATMs.

Never respond to unsolicited e-mails.

Debit Card Safety.

Use your credit card for shopping online.

If your card is lost or stolen.

Franklin Security Bank recommends that customers follow these safety tips when using any ATM:

Keep your PIN number (Personal Identification Number) private. This ensures that your ATM card will be useless to anyone but you. Never write it down or share it with anyone-not even family members. [back to top]

When selecting a PIN number, do not use numbers or letters that can be associated with you. Do not use your initials, birth date telephone number or home address. Change your PIN often. [back to top]

Be aware of your surroundings, particularly at night. Make sure the ATM is in a well-lit area, free of sight obstructions, like shrubbery or decorative dividers. If the area is poorly lit or if you observe suspicious persons or circumstances, do not use the machine. [back to top]

Bring someone with you when using an ATM at night. If you can’t, use an ATM that is located in a public area like a convenience store or grocery store. [back to top]

If you are using a drive-up ATM, keep all doors locked and passenger-side and rear windows rolled up. [back to top]

If you leave your car and walk to the ATM:

• do not leave your car engine running.
• lock your car.
• have your ATM card ready and in your hand as you approach the ATM.
• if it is an in-door ATM, look inside before entering.  Don’t let anyone enter who you do not know.
• use your body to “shield” the ATM keyboard as you enter your PIN.
• do NOT count or visually display any money.  Immediately put your money into your pocket or purse and count it later.
• ALWAYS take your receipts or transaction records with you.
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To protect yourself from ATM fraud, review your monthly statements on a regular basis for unauthorized withdrawals or purchases. If you see fraudulent activity, contact your credit card provider and report any unauthorized use of your ATM card. [back to top]

To report a lost or stolen debit card, please call FiServ at 800-472-3272. [back to top]
 

Suggested proactive measures to protect your bank accounts when using a debit card.

Be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions at (570)825-9800 or after hours at (800)472-3272. 

Avoid giving out any personal information unless required for a legitimate business purposes including:

• Address/Zip code
• Phone number
• Date of birth
• Social Security number
• Card or account number
• Card expiration date

 Your PIN is private, never give it out.

 In stores and at ATMs – always cover your card and PIN and watch for:

• Cell phone cameras, mirrors or other tools used to view cards and PINs
• People watching your transactions
• Cashiers taking your card out of sight
• Any unusual activity at ATM’s

 Never respond to unsolicited e-mails that:

• Ask you to verify your card or account number
• Link to websites – sites may look legitimate but may actually collect data or put spyware on your computer

 Debit Card Safety

• Be sure Internet merchants have proper security measures in place. Look for online security signs, such as a paddle lock and key in the bottom corner, a site address that begins https://, or the words Secure Sockets Layer (SSL).
• If you’re unsure, call their customer service number to ask or place your order.
• Don’t write your PIN on or near your card. It’s best to memorize it and NOT write it anywhere.
• If you sign a receipt that has a carbon, keep the carbon or tear it up. Do not discard it intact.
• Before you leave on a vacation, notify us of your travel dates and destination.  We have extra fraud protection on your card that alerts us to “unusual” transactions, and location is part of the alert.
• Only give your card number over the phone when you initiate the call. 

 Use your credit card for shopping online:

• Most experts recommend using your credit card instead of a debit card when shopping online, because credit cards come with better consumer protections in case of fraud or billing disputes.

 If your card is lost or stolen, please call FiServ immediately at 800-472-3272.