The Bank of Fayette County has an ATM at each branch location for customer convenience.
For Automated Reporting of Lost/Stolen Cards, call 1-800-472-3272 - 24 Hours A Day, 7 Days A Week.
Debit Card Scam Calls
We have been alerted that many people in the area (not just our customers) are receiving recorded calls on their cell phones with a message indicating:
Your debit card has been locked. Press 1 to reactivate.
THIS IS A SCAM – do not provide any personal information.
It appears that a local cell phone number list is being used by the scammers.
If *our* fraud detection services contact you, the representative will clearly state that they are calling on behalf of The Bank of Fayette County and will ask you if specific transactions were made by you or not. They will NOT ask for your full card number.
Remember to be alert to avoid fraud!
The Bank of Fayette County
October 25, 2013
Cardholders – We may be calling you!
To protect your account, our fraud system monitors 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.
- You will NOT be asked for your full card number.
- 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 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.
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 businesses
- Link to websites; such sites can look legitimate but may collect data or put spyware on your computer
Debit Card Usage Pointers
Approval transactions for an amount greater than the purchase are often sent by merchants for these types of card transactions:
- gas pump (at the pump)
- restaurants which give you the receipt back to add a tip
- rental cars
This puts a hold on your account for the approved amount. The hold can be in place for days until the transaction is settled for the actual purchase price. If there is a big difference between the hold amount and purchase amount, it can seriously affect your available balance. Be aware of this when you use your card!