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Concerned About Debit or Credit Card Fraud?

Concerned About Debit or Credit Card Fraud?

You may be aware of a recent issue involving customers who used debit and credit cards to make purchases at Target stores between Nov. 27 and Dec. 15, 2013. If you are in this group or are interested in learning more about how to protect yourself from fraud when using your debit or credit card to make a purchase, please review the following information:

How American National Works to Protect You

  • We take security seriously. That’s why we offer a Visa® debit/check card program with proactive monitoring and fraud prevention measures.
  • If we suspect any suspicious activity, we notify the cardholder(s) immediately.
  • If there is a high degree of suspicion that the card has been compromised, we will close that card immediately and contact the cardholder to issue a replacement. We make it easy for customers to receive new cards by offering “instant issue debit cards” in most all of our banking offices (not available at the Village at Brookwood Office or the Alamance Regional Medical Center Office). There is no delay in getting a new card to you if you have lost your card, if it has been stolen or if you experience suspected or confirmed fraudulent activity. Customers simply visit their nearest eligible banking office to receive a new card printed on site.

What You Can Do to Protect Your Debit Card and Your Account

  • If you are concerned about the Target breach specifically, please read this Washington Post article listing five key facts and what you can do to take action.
  • Frequently check your account to make sure there has been no suspicious activity – either through Online Banking, Mobile Banking, Telephone Banking (1.877.534.2345) or ATM statements.
  • If you have a reason to suspect fraud, contact us as soon as possible by phone (1.800.240.8190), by a secured message via your Online Banking account at amnb.com, or at your banking office.
  • If you cannot reach us and need to take immediate action, you can opt to report your card as lost/stolen via Online Banking. Simply login at amnb.com, go to “Personal Settings,” click on “ATM/Debit Card,” select the affected card(s) and click “Submit.” The card will be closed immediately. Then, visit your nearest eligible banking office to obtain a replacement. Remember, you can obtain a new card immediately at most any of our offices thanks to our “instant issue debit card” machines (not available at the Village at Brookwood Office or the Alamance Regional Medical Center Office).

What to Do if You Suspect Credit Card Fraud

  • If you suspect fraudulent activity on your Visa credit card, please immediately call the number on the back of your card to report it.
  • Visa will work with you on a resolution.

Additional General Safety Tips

Provided by the American Bankers Association

  • Be aware of your surroundings, including other people who may be near you at the ATM or retail point-of-sale.
  • Use your body or hand to “shield” the ATM or point-of-sale keyboard as you enter your PIN. Be wary of someone trying to help you, especially when an ATM "eats" your card. They may be trying to steal your card number and PIN.
  • Always take your receipts or transaction records with you and check them against your statements. Report unauthorized transactions immediately.
  • Do not give your personal or financial information to anyone who calls you over the phone or who contacts you through text or email. Thieves often pose as bank representatives in order to steal this information; however, banks already have this information and will not request it from you.
  • Keep a record of card numbers, expiration dates and 1-800 numbers for banks so you can easily contact the issuing bank in case of theft.
  • Do not leave your bank statements, checkbooks, or credit/debit cards lying around the house or on your desk at work. No one should have access to this information but you.
  • If you suspect you are a victim of identity theft, contact the Federal Trade Commission at www.consumer.gov/idtheft, or call the FTC, at 1.877.438.4338, or write to Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, D.C., 20580.
  • Periodically obtain credit reports from each nationwide credit reporting agency. If any information on the credit report appears fraudulent, request that the credit reporting agency delete that information from the credit report file. Under federal law, consumers are entitled to one free copy of their credit report every 12 months from each of the three nationwide credit reporting agencies. Obtain a free copy by going to www.AnnualCreditReport.com or by calling 1.877.322.8228.