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Working together to protect your account

We may call you

We protect the accounts of our debit card holders by monitoring ATM and debit card transactions for potentially fraudulent activity. If we should discover unusual activity with your card, we will immediately call you to verify whether or not the card is being used by you.

The kinds of activities that raise red flags include:

  • The unexpected use of a U.S.-issued card overseas
  • A sudden string of costly purchases
  • Any pattern associated with new fraud trends around the world

If we call you, we will ask 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 transactions on your card
  • You will use your touchtone keypad to respond
  • You will receive a toll-free number to call if you have additional questions
  • We will not ask for your card number, expiration date or PIN

You can call us

If you are planning to take a trip overseas or use your card in a way outside your normal pattern, please let us know your plans ahead of time so there will be no disruption in your service.

If you have any questions, please feel free to call us at 800-422-3372 or 574-223-2128.

Do what you can to protect yourself

Please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from debit card fraud:

  • Unless absolutely required for a legitimate business purpose, never give out your address and ZIP code, phone number, date of birth, Social Security number, card or account number, expiration date or PIN.
  • 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, or any unusual activity at ATMs. If you feel uncomfortable, go to another ATM.
  • Online, never respond to unsolicited emails that link you to sites that may look legitimate but may collect data or put spyware on your computer. Also, never respond to any email that asks you to verify your card or account number. No legitimate business will ask for this information in an email.
  • Beware of phone calls that, for whatever reason, ask for your card number, expiration date and PIN.

Identity Theft

Identification thieves steal personal information, such as a credit card account number, Social Security number or driver's license number. Then, they open accounts in a consumer's name and run up charges on the account, or they use the personal information to charge goods and services to a consumer's existing accounts.

The harm to a consumer's credit and daily life can be devastating. Victims of ID theft often have trouble getting new credit cards or loans because of the damage to their credit rating.

The most common types of identity theft are:

  • Using or opening a credit card account fraudulently
  • Opening telecommunication or utility accounts fraudulently
  • Passing bad checks on your account or opening a new bank account using your identity
  • Obtaining loans using your identity

Guidelines to minimize your risk

Minimize the identification information and the number of cards you carry

  • Sign your credit cards immediately
  • Promptly remove mail from your mailbox – deposit outgoing mail at the post office or post office collection boxes
  • Do not attach a PIN or Social Security number to any of your cards
  • Shred documents that contain credit card numbers, invoices, old bank statements, and the unwanted pre-approved credit offers
  • NEVER give personal information or account numbers to anyone online or by phone unless you know the party you are dealing with
  • Alert your bank or cardholder if you do not receive your statements. (Someone could have taken them from your mailbox or could have filed a false change of address notice so your mail would be diverted).
  • Do not preprint your driver's license or Social Security number on your personal checks
  • Check your credit report periodically to monitor that new accounts have been opened, there has not been a change of address, or balances have not increased without your authority

If you suspect that you are a victim of identity theft

Quick action is the key. The following are some steps you should take in case you become a victim of identity theft:

  • Contact the fraud departments of each of the three major credit bureaus and report that you have been a victim of identity theft. Ask that a "Fraud Alert" be placed on your file and that no new credit be granted without your approval.

Trans Union:

  • For any accounts that have been fraudulently accessed or opened, contact the Credit Grantor or Financial Institution and request these accounts be closed. If you open new accounts, do not use passwords that contain a Social Security number or mother's maiden name.
  • File a report with local police. Get the report number or a copy of the report for proof of crime.

Call the identity theft clearinghouse toll-free at 1-877-IDTHEFT (877-438-4338) to report the theft. Document these contacts with dates, names, and phone numbers for your records. The web site for identity theft is, the central point of contact within the Federal Government for reporting incidents of identity theft.

Privacy Notice

Our Security Procedures

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Our Web Site

When visiting our web site, you do so without revealing who you are and without revealing any nonpublic personal information. However, by using the email feature on our web site to contact us, you are sending us your email address and perhaps other information that typically might include your name, mailing address and any other information that you might include in the email itself.

Unless otherwise indicated, your email transmission, and our response, are not secure and may be subject to interception. We ask that you do not send confidential information to us via email. If you want to send us nonpublic personal information like account or Social Security numbers, you should call us, send the information by regular mail or visit one of our branch offices. We will not obtain nonpublic personal information about you when you visit our web site unless you have chosen to provide such information to us. The information that you choose to send us by email is used internally only for the purpose of meeting your request or for contacting you directly. This information is not shared with any other organization.

Online Transactions

We utilize stringent security methods to ensure that your online banking and bill paying transactions remain secure and confidential. These methods include routers, firewalls, encryption, and password protection.

Use of Financial Calculators

When visiting our web site to use our financial calculators, the work and calculations that you perform are not stored in our records.


Links to other web sites from our web site are provided only as a convenience to you. We are not responsible for the content or accuracy of third-party web sites. They may collect data and personal information about you and you should review that privacy statement of a web site before you provide any personal or confidential information.

We reserve the right to change this policy at any time, without prior notice, by posting a new privacy policy.


Click on this link for our privacy disclosure.    Facts about your personal information