Credit & Debit Card Safety Reminders

Credit and debit cards provide added convenience in accessing your accounts. Along with this convenience comes the responsibility of protecting these cards from unauthorized transactions. An unauthorized transaction is any transaction you did not sign or otherwise agree upon.

• Sign your cards – Immediately upon receipt of your credit or debit card, please sign the back of the card. Make sure when using a card at any point of sale that the cashier checks the signature on the card against your signature on the receipt (this will remind the cashier to check for card fraud in the future).
   
• Make sure the proper card is returned  – Check your card before securing it on your person when a cashier returns it to you. Always make sure your original card is returned.
   
• Take your receipts  – Before leaving the area, make sure you have your original receipt and have destroyed any carbon with your account information.
  
  
• Destroy all expired cards – Destroy all expired cards by cutting through the account number and signature area. Make sure no information can be obtained from expired credit or debit cards.
  
  
• Check your monthly statements – Make sure you compare your receipts and authorized drafts against your monthly account statement. If you notice any unauthorized charges, contact your financial institution immediately. Secure your monthly statements immediately after verifying the charges.

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All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.