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Debit Card Safety   Protect Yourself!
  Eight Tips to Protect Your Identity   Seven Tips for Protecting Yourself Online
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from Account Fraud
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Identity Theft

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Debit Card Safety:

Your Marblehead Bank Master Money Debit cards are convenient, versatile, and safe to use. Our secure processing means you can count on accurate transactions, 24/7, worldwide. To help ensure your accounts remain safe, remember the following safety tips.

Your Card

  • After the sale, make sure the card returned to you is yours, then place it in your wallet.
  • Be sure to sign the back of your card. If you don’t, a thief will sign your name, and his/her signature on the sales receipt will easily match the one on your card.
  • Never allow a sales clerk to write your card number on a personal check as identification.Your Statement
  • Keep in mind the approximate date that you receive your statement. If it’s late, call.
  • Carefully review your monthly statement. If anything looks unusual, call.
  • Shred unwanted statements and preapproved credit card offers.Actions to Take
  • Report a lost or stolen card immediately. For Marblehead Bank Master Money Debit cards, call the appropriate number listed at our Lost and Stolen Cards page.
  • If you sign a receipt that has a carbon, keep the carbon or tear it up. Do not discard it intact.
  • Only give your card number over the phone when you initiate the call.
  • 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.
  • Keep a list of your account numbers and their customer service phone numbers in a secure location at home, in case you need to report a lost or stolen card.
  • Don’t write your PIN on or near your card. It’s best to memorize it and NOT write it anywhere
  • You don’t have a Marblehead Bank Master Money Debit card? Apply now!

We may be calling you

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to
prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automated call will ask you to verify recent transaction activity on your card.
  • You’ll be able to respond via your touchtone keypad.
  • You’ll also be provided a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Some additional tips on protecting yourself from debit card fraud are provided on the back of this insert.

Protect yourself

1. Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and 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.

2. 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; take it to the register yourself
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM.

3. Online, you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate business
  • Link to websites; such sites can look legitimate but may collect data or put spyware on your
    computer

 

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