With the holiday season upon us, it's important to be extra vigilant to help protect yourself from debit card fraud. Scammers and fraudsters tend to become more active during this time of year. In this blog, we will guide you on how to protect your debit card and financial well-being during the holiday season. 

Monitor Your Accounts Regularly 

Keeping a close eye on your bank accounts is one of the most effective ways to detect any unauthorized transactions. Check your account statements and transactions frequently through our online banking portal or Banterra’s Mobile Banking app. If you spot any unfamiliar charges, report them to us. 

Set Up Account Alerts 

Take advantage of our online banking alerts. You can receive real-time notifications for any significant changes in your account, such as large withdrawals or low balances. This allows you to respond promptly if any suspicious activity occurs. 

Protect Your Personal Information 

Be cautious about sharing your personal information, including your debit card number, PIN, and other sensitive details. Never give out your information over the phone or through unsolicited emails and ensure that you're dealing with legitimate sources. 

Use Secure ATMs 

When withdrawing cash from an ATM, choose ATMs in well-lit, secure locations. Always cover the keypad when entering your PIN and be alert for any skimming devices or suspicious individuals nearby. 

Beware Of Phishing Scams 

Scammers often use phishing emails or messages to trick you into revealing your personal information. Be wary of emails that claim to be from your bank and ask for sensitive data. Banterra will never reach out to you via phone or text asking you to verify a transaction. Always verify the authenticity of such communication by contacting us directly. 

Utilize IDProtect®  

With 1. IDProtect’s Identity Theft Resolution Services, 2. there is a comprehensive solution to protect you from the unexpected. 3. Register your credit, debit, and ATM cards for added convenience and limited liability in case they are lost or stolen. With this service, you gain access to a dedicated consumer fraud specialist who will work to restore your credit and identity in the event of identity theft. Additionally, 4. IDProtect provides coverage for expenses incurred during the recovery process, including attorney fees, long-distance calls, certified mail, and even lost wages due to time off work. If you have any questions or want to learn more, don't hesitate to contact our team. 

Shop Securely Online 

When shopping online, ensure you're using reputable and secure websites. Look for the padlock symbol in the browser's address bar and avoid saving your card information on retail websites. 

Stay Informed 

Stay informed about the latest scams and fraud prevention tips. We regularly provide educational resources to help you recognize and avoid common fraud tactics here.  

By following these security measures, you can help protect your finances and enjoy the holidays with peace of mind. We are here to support you.  If you have any concerns or questions about your debit card security, reach out to us. We wish you a safe and happy holiday season. 

1. Special program notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. 

2. IDProtect® service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Family includes Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. 

3. Registration/activation required. 

4. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of AIG, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. 

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.